BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX  # XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX 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 explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
I disputed many times with experian credit bureau that my loans should not say delinquent or was late. I spoke with both XXXX  and XXXX  who both confirms the students loans should not show up as ever late or delinquent experian still won't fix the error. although, i submitted documentation ( XXXX advised me to ), XXXX and XXXX box has fixed the error but experian continue to give me/cause hardship because of this my credit lines all have high interest and have suffered tremendously. I was switched from XXXX XXXX loans to XXXX XX/XX/2021 with not one late payment experian updated my loan servicer but continue to report my student loans as was late but current XXXX  IS A NEW LOAN SERVICER HOW DO YOU CONTINUE TO REPORT ERRONEOUS INFORMATION.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-05-12
Company: Cogent Road, 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: Information belongs to someone else

Complaint:
theses are hard inquiries on my report.That needed to be removed.      XXXX   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
theses are hard inquiries on my report.That needed to be removed.      Jc Penney Fund Suite

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 2017-05-12
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Robocalls about PHONY legal and/or debt problem from  XXXX  TX exchange - many times a day to our business phone line.     No one at the  XXXX  or  XXXX   XXXX   XXXX  to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-08-23
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have spoken to XXXX XXXX XXXX several times and was told the debt was discharged and they are no longer collecting on the debt. I called the original creditor and was told I had to speak to XXXX XXXX XXXX. I was told time and time again that the negative remark and balance would be removed from my account as they would not accept a payment. This negative remark has not been removed. I've been told for months it would take one additional month and still nothing. 

Since XXXX XXXX XXXX will NOT accept payment as it is discharged, please remove the negative mark on 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 2017-05-12
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: Reporting company used your report improperly

Complaint:
Equifax has merged my excellent credit report with another person that has the same name and similar social security number. They will not remove negative information from the other persons credit history from my credit report nor will they verify if my credit history has appeared on his credit report. Through their numerous  XXXX  ups Equifax has provided me with the other persons social security number, date of birth, addresses, etc. Equifax will not verify that my personal information has been properly secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: WELLS FARGO & COMPANY
State: FL
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 Sent W ell Fargo Bank  a NOTICE OF DISPUTE, NOTICE OF DEMAND FOR PRODUCTION OF DOCUMENTS, AND NOTICE TO CEASE AND DESIST

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 2017-05-12
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Horrible consumer/debtor treatment. I settles that acct. Have yet to receive my letter stating I paid. I would like my release letter. I 've called numerous times, and have gotten the same response " we will send it out '' It is on a recorded line agreeing to pay {$200.00} of the {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: SCA Collections, Inc.
State: NC
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:
WE HAD THE ACCOUNTS DISPUTED FOR SEVERAL MONTHS AND HAVE NOT RECEIVED A RESPONSE FROM THE CREDITORS DURING THAT TIME PERIOD.

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 2017-05-12
Company: TENET HEALTHCARE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
There are  Credit reporting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my credit score and cre dit report, and is holding me back from doing things that I need to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive numerous calls for a debt that belongs to another company. 5 calls a day from fake numbers. They do not stop when I ask them to stop.

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 2023-03-08
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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 A : States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt buyer known as LVNV Funding is taking me to court for a debt I believe is not mine, however if it is, then I did not receive 5 days notice. Their attorney provided me with false documentation to prove that there was a letter sent to me. 1 : I did not receive a letter within the 5 day notice. 2 : The letter stated XXXX XXXX sold the debt to LVNV Funding. Yet the proof of ownership shows that XXXX XXXX sold the debt to XXXX XXXX XX/XX/XXXX first. Then XXXX XXXX sold the debt to XXXX XXXX XX/XX/XXXX. After that XXXX XXXX sold the debt to LVNV Funding on XX/XX/XXXX. XXXX : The document states that XXXX XXXX sold the debt straight to LVNV Funding. 4 : The debt was sold within the same day at one point. There is no possible way I could have been notified of the transaction within 5 days if there wasn't 5 days in-between each sale. 
5 : I do have copies of all documents, however your computer won't take anything of 10MB. Will send physical copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
XXXX   XXXX ,  XXXX  CFPB : JPMChase denies me credit as retaliation for complaints that I have filed against JPMChase, and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the pa st five ( 5 ) years . JPMChase claims that I owe it over {$140.00} on my JPMCha se Visa Platinum Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee  on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX , JPMChase alleges that it performed more than {$140.00} of Maintenance on my Family Homestead,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance. JPMChase threatened to take away m y Family Homestead and  the personal property  of five ( 5 )  generations of my family, if I did not pay the Undeserved Maintenance Fee. JPMChase intimidated me into paying the Undeserved Maintenance Fee.   I demand that JPMChase remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my JPMChase  Visa Platinum Cre dit Card.   If CFPB can not get JPMChase to agree to this, then I request CFPB to get JPMChase to accept payment from my JPMChase Checking Account to Completely Pay Off the alleged Outstanding Balance on my JPMChase  XXXX   XXXX  Credit Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CL Holdings LLC
State: NE
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 philosophy of XXXX XXXX and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of Jefferson Capital Systems being listed on my credit reporting file, I have not received documentation from either XXXX or Jefferson Capital Systems as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I want my name taken off of a joint account with Wells Fargo. The account is in my ex husbands name. I have been divorced from him for over 10 years. It was in my divorce papers that he takes responsibility for the card. He was supposed to have me removed but never did. Wells Fargo refuses to help.

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 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received a capitol one debit card in the mail around 2 weeks ago. I did not think much about it since I had applied for credit cards at the store. I saw an email today that it stated that my account was overdraft and I immediately sign in. I called Capitol One Fraud department and I advised them of the situation. They are investigating the fraud activity but they told me to report it to the Federal Bureau of Investigation of fraud. I was able to enter into the account by answering security questions and my own name, social security, and date of birth. Therefore, this means that someone is using my information to access these accounts or to open these accounts. Capitol one tells me that this is an acquired account from another prior source. I do not have any accounts opened with any other banks. There is {$1000.00} XXXX XXXX transfer, XXXX XXXX XXXX of {$190.00} to a XXXX XXXX, and a withdrawal of {$800.00} from account XXXX to account XXXX performance, all of these charges being made on XX/XX/2022. I assume they are virtual transactions so the ip addresses should pinpoint the location of these charges to exculpate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I wrote a letter to Midland Credit Management to stop calling me and harassing me and they continue doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I want Wells Fargo to refer to my Account ending in XXXX, citing in CFPB Case Number : XXXX ; Case Number : XXXX, which was responded by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaints Management Office on XX/XX/XXXX for cashing my Check. ( See, Attachment, XXXX XXXX. ) Because, the Company 's Response to this Cause in Case Number : XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( see, Attachments, ENCLOSURE.pdf and final_responseIbeabuc... ) did not address why the Banking Practice which required to transfer my Accounts to the Nevada State Treasury was neglected in XX/XX/XXXX at Foreclosure. In that, my Account Address was changed in XX/XX/XXXX to Nevada Department of Corrections, at the instruction of the Bank 's Branch Manager in XXXX Oregon, in XXXX XXXX XXXX. Accordingly, an obvious in fraudem legis exist in the Discharge Check of {$47.00} issued to me on XX/XX/XXXX by Wells Fargo, ( see, Attachment, XXXX ) when there were unambiguous Uniform Commercial Code 's Tender of {$500.00} Reference # : XXXX XXXX  by the Bank on XX/XX/XXXX to my Inmate Trust Account # : XXXX, ( citing XXXX  Document # : XXXX which was a XXXX  Obligation to pay and credit all of the Disposition of Bonds of Damages assigned to me for ( XXXX  XXXX ) from Wells Fargo 's purchase by XXXX XXXX  XXXX  through XXXX, at-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