BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 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 2023-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I want to do very basic credit freeze management on Experian. This is easy to do on XXXX and XXXX, but Experian makes it very difficult and forces you to jump through several marketing hoops before providing the necessary controls. This blog post describes it reasonably well : https : 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 2023-11-04
Company: Aldous & Associates, PLLC
State: FL
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is a new company that took over my current student loans from Navient. I have had several companies manage my loans since having my loans. I had a in school deferment as well as deferring my loans due to financial hardship. I have not been accommodated at all. XXXX continues to report failure to pay and late payments which has inaccurate. Due to XXXX reporting these items negatively on my credit report, my credit report is heavily affected which has been extremely detrimental to my livelihood. There are currently 16 accounts reporting late payments for 90 day past due for XXXX of XXXX. According to my school schedule for Fall XXXX, I was in school and a in school deferment was suppose to be applied. I contacted the previous company with this information several times. This is a weight on my shoulders and a cloud over my head for the past years. I have attempted to resolve this matter years in and years out. Furthermore, I have been informed different things each time I have spoken to the loan companies. Due to the constant change of management for my loans, how can I even expect for them to keep up with accuracy. I am really at my wits end and this is affecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
I did not having any business dealings with this company I asked them to remove several times. They were force to be removed from my XXXX file but it is still showing up on XXXX and 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 2018-08-16
Company: ProCollect, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is continuing to report a false, erroneous account on my credit reports for years now. I notified this company on several occasions that this was not a correct debt and requested that they contact the original creditor to get the matter sorted. They did not. Instead, they continued to report this information on my credit reports and ignore all of the letters I sent to them. Each month they continue to update this incorrect information on my credit reports.In addition, they are NOT even licensed to collect or conduct business in the state of Connecticut, where I reside, and have resided for over 20 years. Yet they are claiming to be attempting to collect a debt from FL. After reading the thousands and thousands of complaints about this organization, I am not one bit surprised. They need to remove this incorrect information from my credit reports once and for all!!!!

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 2023-05-26
Company: EQUIFAX, INC.
State: VT
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:
XXXX XXXX XXXX DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR. 
I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF XXXX I believe that I received a HIGHER CREDIT SCORE as per a NORM for XXXX and XXXX people who are doing business with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting on my credit reports that I owe money to XXXX XXXX, {$250.00}. I have never received a phone call nor a letter from either the collector or XXXX The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called XXXX corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, XXXX. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that XXXX  confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, XXXX stopped doing business in XXXX XXXX as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a XXXX XXXX store in XXXX? The collector also told me that XXXX  wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at XXXX, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from XXXX  in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!

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 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
account # XXXX This is a business credit card that serviced real estate investing business that is now permanently closed since XX/XX/2020. The business did not qualify for a Govt. PPP ( Corona Virus Emergency Loan ) and therefore had to lay off 10 employees and close the business.

As the responsible owner understanding that I personally guaranteed this credit card, I am WORKING hard to try to work out a solution with Capital One but Capital One has only offered to push payment dates back despite me alerting them to the fact that this is a LONG term issue and it needs to be addressed today. Resetting the payment date was helpful the first month, but now that we are in month 3, it needs to be responsibly addressed. 

I am in a position where I can " possibly '' make the payments on the card but at a reduced rate or structured payment plan. The current terms of the card on a CLOSED business due to COVID -19 is beyond unfair, unmanageable and can not continue. 

My attempts to handle this call with Capital One over the phone has been met with being put on hold for obscene amounts of time only to be told, " we can not help outside of resetting your monthly payment for 30 days but ALL interest will still accrue '' Unfortunately I am getting the feeling that Capital One wants to abuse the situation and squeeze every last drop of pennies out of its Business Card customers. According to the CARES ACT, financial institutions are obligated to work with customers and not outwardly push customers into poor credit reporting situations or bankruptcy. I should not have to be 60 days late to be assisted during this situation. That act would be predatory and unfair. 

Again, I am only asking for Capital One to assist with setting up a payment plan at a reduced interest rate without harming my personal credit due to the business closing in lieu of the COVID - 19 Pandemic. We all need help and I am trying to rectify this responsibly but I need cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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: Investigation took more than 30 days

Complaint:
I have filed a dispute with XXXX and TransUnion in regards to incorrect items on my credit report. XXXX has violated my rights to privacy and refuse to submit Method of Verification for Bankrupcties on my credit report which was submitted to them on XXXX XXXX, 2021 along with documentation from Bankruptcy Court that they do NOT verify information to bureaus. Its been well over 30 days and I haven't received any results.

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 2022-05-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act the following companies 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 instruction. 

I have the following inquiries on my credit report, in which I did not authorize or have knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2012 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or XXXX who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: InDebted Corporation
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by this company that I needed to set up a payment with them in order for my loan not go into default. I did I set up $ XXXX  monthly only now to be told that my payment plan was cancelled after the making the first payment. I requested a refund only to just be told NO without any reason because I shouldnt have them and the original creditor also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For an extended period, I've been experiencing incessant harassment from Portfolio Recovery Associates about a supposed debt I unequivocally dispute. I have no collections recorded, neither currently nor in my past credit history. Despite my explicit request for a debt validation notice, they continue to reach me through a multitude of numbers at various times : XX/XX/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. Moreover, I've been registered on the 'Do Not Call ' list since XX/XX/, which only highlights the impropriety of their repeated calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have faxed to XXXX information from my bank account indicating that the debt was settled and to the bank saying that the debt was still owed ; despite the fact that my banking information was received. For the last 4 years it has been taken off, then put back on hurting my credit score. I have finally sent to the reporting company NCA my proof. They are doing something about it, but it has already for years now, ruined my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened new savings account in late XXXX with min $ XXXX deposit as advertised. Failed to receive an {$800.00} bonus after the maximum 82 day waiting period. Notified Citi many times. I think many other bank depositors are suffering the same problem as I was just finally told there is a backlog. This seems to be an intentional deceptive national practice that allows Citi to earn interest on customer money illegally. I suggest that an investigation be opened 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 2021-09-27
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened both checking and saving accounts based on promotions that promise XXXX dollars bonus with min XXXX deposit within 30 consecutive days. 

XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX Call more than 5 times since XXXX for confirming meet the requirement. Customer services have always told me I have met all requirements, and just need to wait. However, keep giving me new days.

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 monetary relief
Consumer complaint received 2021-09-27
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX  XX/XX/XXXX oportun was added to my current credit report on XXXX and XXXX for the amount of {$2200.00}. I have made all of my payments for XXXX and XXXX on time and the balance still hasnt been updated on XXXX or XXXX. I contacted Oportun on last week and I was informed that I need to wait 3-5 business days to get a resolution from their internal team. I have an issue with this because the continued high balance reporting as if I havent made any payments affects my debt to income ratio. On XXXXXX/XX/XXXX XXXX was updated to {$2100.00} however, the balance showing on my account for Oportun {$2000.00}. This company is not reporting accurate information to the credit bureaus as referenced on their website they accurately report monthly to the bureaus and this is not being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked 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 deletion 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

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 2023-03-21
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 status incorrect

Complaint:
Experian is reporting inaccurate, unverifiable information. This information is gendering me and affecting my everyday life. Im unable to apply for things. Ive sent Experian validation letters asking for validation on these incorrect accounts. They respond saying they are verified but are not showing me how they are. I have asked for this information since last year 2022. I want to take action now.

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 2023-08-29
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
My reason for reaching out to your agency is that I have been requesting Validation of debt from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX My request for validation started back on XXXX XXXX and continued through XXXX XXXX and still continuing. I will only provide one of the XXXX XXXX Validation letter and one of the XXXX XXXX Validation letter because the pages are many. 

I'm being sued by XXXX XXXX XXXX XXXX on the behalf of XXXX XXXX XXXX XXXX XXXX a law firm to be exact. I am aware of the rights that I do have as a consumer. And as consumer, after you request for debt validation, the law states that the debt collector must stop all collection efforts until they send me the requested information. 

As you can see, my request for validation was ignored and a lawsuit was applied. I also submitted my Answer to the court on XX/XX/2023 as required. I also sent the Plaintiff a copy of my Answer as well. Did the Plaintiff receive it I'm not sure. My Answer I requested certain information to be showed to me and still I have yet to receive that requested information. For a resolution I'm seeking for this case to be dismissed per violation pertaining to failure to respond to a debt validation request in a timely matter.

Company response to consumer: Closed with non-monetary relief