BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: TX
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:
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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I opened a debit card account with Wells Fargo and somehow they turned it into a credit card account. I never wanted a credit card account nor did I ever agree to open a credit card account. 

I never realized until recently that I turned into a credit account. I never filled out any forms to open a credit account. 

Also, as a debit card account I would place my money into the account and use it for purchases. When they turned it into a credit account, they started it with my own money.

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 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One Account # XXXX is a fraudulent account and has been reported multiple times to Capital One and XXXX telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again Capital One refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet Capital One claims it has been charged off. I want to see the evidence that you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
When asked to stop or limit contact with debtee 's, the agent ( XXXX ) told us that they could call as much and as frequently as they wanted to ( XXXX PST XX/XX/XXXX  ) When asked about why our dispute was rejected, they said that it was invalid and refused to elaborate, only asking for how we wanted to pay. Saying that they did not have to provide any additional information, and that it was on us to prove to them that we did not owe, rather than the other way around. ( XXXX PST XX/XX/XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Penn Credit Corp stated I owe ( XXXX XXXX ) an amount that I paid & my utility supplier ( XXXX XXXX ) paid when I moved XX/XX/2015 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: FC HoldCo LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.

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 2022-11-08
Company: AmeriCollect
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When i was under age my mom took me to Hospital. 
The debt was not paid. Since then I have turned over XXXX. And the hospital put the bill in my name and I was unaware of this bill. 
The bill amount is for {$210.00}. As this bill shows up on my credit report. 
I have tried to dispute this bill. With the collection agency and XXXX and XXXX And the collection agency still will not remove it. XXXX asking to remove this account from report as I feel it violates my HIPPA rights. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, XXXX, EXPERIAN written permission to furnish these accounts listed below. 


XXXXXXXX The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX

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 2022-11-08
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a targeted offer to open a Citi Priority Checking account with the Member AA Miles Checking Offer. The account was opened on XX/XX/XXXX and I received a " Congratulations '' email on XX/XX/XXXX to confirm my enrollment in the offer. To earn the AAdvantage bonus miles of XXXX with a Citi Priority account, I had completed the {$750.00} in Qualifying Citibank Debit or ATM Card Purchases and made 1 or more Qualifying Bill Payments for 2 consecutive calendar months. The bonus should have been credited to my account within 30 calendar dats of the date I completed all required activities so long as my account remained open and in good standing until I received the bonus. I completed the outlined activities by XX/XX/XXXX by spending $ XXXX with my Citi Priority Debit or ATM Card and XX/XX/XXXX I made the second consecutive Qualifying Bill Payment. I contacted support over the phone in XXXX to check on the status of my bonus- as 30 days had elapsed since the completion date of XX/XX/XXXX - I was told that I should expect the bonus to post 60 days after the end of the promotional period. The promotional window was for 60 days, which would mean if I opened my account on XX/XX/XXXX the 60 day period would end on XX/XX/XXXX and allow 60 days processing time to target roughly XX/XX/XXXX. I patiently waited until well after the estimated timeframe and reached out to Citi bank via their secure chat feature on XX/XX/XXXX. I had a very pleasant experience with a representative who confirmed I met the qualifying activity and they would submit a request to have it investigated and credited to my account. I was told to expect a response via the secure message center within 5 business days. I most recently reached out to Citi via the secure chat function on XX/XX/XXXX and asked about a status update. I was told that it was a different department and that I would be contacted when they have completed the investigation with no timeline given on when to expect a response ( at this point I'm guessing much more than 5 business days ). Given my patience and persistent attempts to get a resolution from Citi Bank, I am filing this complaint as the bonus offer was not fulfilled on their end per their advertising.

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 2022-11-08
Company: AES/PHEAA
State: CT
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:
My student loan was sold, original lender is still reporting debt as owed, as well as the new lender. My balance is around XXXX but my credit report lists XXXX in personal loans which is affecting my ability to get a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Account Resolution Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account from XXXX XXXX ( KS ) XXXX placed for collection with Account Resolution Corporation ( ARC ) out of XXXX, MO. I have gone back and forth with both entities about the delinquency date on my credit report. The date should be on or around XX/XX/XXXX, however it has been reported on my credit report as XX/XX/XXXX. The big problem with this is the house no longer existed as of XX/XX/XXXX as it was lost to a fire. The creditor ( XXXX XXXX XXXX ) acknowledges that the last payment was made in XX/XX/XXXX and can not explain why the delinquency is being reported as XX/XX/XXXX. When I contacted ARC about the discrepancy they said they would look into it and contact me, after a week I called them back to ask about the status and they stated that they had closed the account as a refusal to pay and would then report that to the credit bureau. I did not refuse to pay I simply asked them to report the correct date as that is older than seven years. Their only answer to this is simply that the account has been closed by them. I believe they have willfully re-aged my debt thus violating the FDCPA and I have reason to believe they have done this to many others as well as the President of the company, XXXX XXXX, who stated he is the 100 % owner of the company, told me they simply report the date of delinquency as the date they receive the file from the creditor. When asked what date the creditor had as the date of delinquency he stated XX/XX/XXXX. I said while that is incorrect, why did you then report it as XX/XX/XXXX? His answer was we date delinquencies as the date that we receive them from the creditor. So they are reporting that I am refusing to pay and they have reported the incorrect delinquency date for nearly 5 years on my credit report. They refuse to fix this. I am certain I am not alone in my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Reached out to Aspire loan company because interest rate has changed and yet repayment terms has changed again. I have made 14 years worth of payments however, only being credit for 10 years. Application and contract said 20 years or 220 payments. Lender told me they will not honor two years worth of payments because they were interest only payment. In writing or on the website does it say if you make less then the monthly payment your payment will not count towards your completion of your loan. I am seeking assistance with getting all payments even interest payment recalculated

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/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 2018-08-22
Company: Experian Information Solutions Inc.
State: TX
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 credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : Experian reflects XXXX & XXXX  reflects XXXX. 
Experian reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
Experian reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX  reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from 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 2022-12-15
Company: EQUIFAX, INC.
State: MS
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:
My XXXX XXXX accounts XXXX and XXXX I have disputed on plenty occasions and Equifax has continuously reporting wrong and I'm trying not to take further legal actions but this needs to me resolved ... .I need this fixed now ... .the two credit bureaus got it right before whatever reason Equifax continues to get it wrong and I need it resolved now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, 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:
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX And XXXX XXXX   negatively reaged my credit. Saying it was opened on XX/XX/XXXX ( XXXX XXXX  ) and opened XX/XX/XXXX ( XXXX XXXX  ) when this debt is fromXX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 first noticed a company XXXX show up on my credit report on XX/XX/XXXX. I have never heard of XXXX. I filed a dispute with the credit bureau, XXXX, XXXX, and Transunion after I had attempted to settle with the company. I have NEVER filled out an application or signed a contract with this company. I was under the impression that the dispute had been settled and removed from my credit report. I found out yesterday on XX/XX/XXXX that there was a debt of {$63000.00} showing on my credit report and drastically dropping my score making me unable to purchase a home. I had disputed XXXX on XX/XX/XXXX and thought that this information that had been corrected/removed from my credit report and has now, in fact, been reinserted. I am not sure if this was identity theft? With further investigation, I found out that this company no longer exists and that was closed on XXXX of XXXX ..... I have once again attempted to have this settled with the credit union. If you can offer any assistance in the resolution of this matter I would greatly appreciate 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 non-monetary relief