BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a phone call from person named Mr. XXXX from National Credit System, who said that I own almost {$1000.00} amount to an apartment I was renting before leaving in XX/XX/XXXX to join the XXXX XXXX. 

The individual have said that my security deposit ( {$500.00} ) and my pet deposit ( {$400.00} ) didnt cover the amount to fix the apartment even though I called the leasing office and asked them about it and about the water bill if it could cover it and she said yes, it will cover. 

Anyway, I kind believed the person at first and said yes I will pay it once I get paid, but what caught my attention was he insisted in providing my debt card number, which I responded I dont have any money right now and I will pay half of the amount by Friday, but he got frustrated and said that if I dont provide my debt card number right now, my debt will be unprotected status. Can someone please explain what does that even mean? I asked him to send me an email plus documentation that proves that I own money to XXXX  XXXX XXXX  in XXXX Florida and I want to pay it online but he said yeah, yeah sure I will send it ( he asked for my email in the beginning of the phone call ) and repeated that my debt will be unprotected status. 

Last thing, the person said he is from the National credit system therefore I am assuming he works for them. So, the company name is National Credit system and this is their website : https : //XXXX Also, attempted to contact the alleged company and their phone doesnt work and sounds weird. Therefore, I dont own no one my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XX/XX/XXXX I filed a dispute with XXXX, Transunion and XXXX credit bureau about the unverified collection, XXXX, XXXX -- XXXX of {$170.00}. I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account should have been removed because I am aware that this 30 non-day response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. 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 2023-11-22
Company: EQUIFAX, INC.
State: TN
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effectively immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Equifax has done nothing please help me delete these illegal accounts from my credit reports. XXXX, XXXX, XXXX, XXXX XXXX XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2019-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
For the last 2 days, I have been trying to pay my insurance bill with USAA.com. I went thru several representative ( XXXX ; XXXX ; XXXX XXXX, XXXX & XXXX insurance department ; XXXX, XXXX & XXXX ) before speaking with a supervisor named who refuse to give last name. According to XXXX, supervisor, the reason for me not able to sign into my account which is locked was because I applied for credit card back in XX/XX/2018 and I need to send them copies of my driver 's license. I have been paying my insurance thru bill pay since XX/XX/2018 and now they restrict my access. On XX/XX/2018, the dealer faxed a copy of my driver 's license to the insurance department so I could get the insurance. I requested to speak to her supervisor and she said that there was no one higher than her to speak with. She informed me that I will be denied security access until I fax : XXXX or email : XXXX. I get it if they don't want to give me a credit card that's good and well but to deny me access to pay my car insurance online is ridiculous and stupid. I receive notification for my insurance bill from USAA in the mail. I was on the phone on Friday for over 45 minutes on hold and no one returned. 
Again on Saturday since XXXX. Received 8 security verification email to verify identity so I could get on. I was able to log on. The next step was the security question and I was told to call USAA. According to XXXX, the security department was closed due to the holiday. However, a male named XXXX claimed he was from the security department. No one should be treated or harass in such way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 1006.34 and 15 U.S.C. 1681s-2 ( b ) ( 1 ). Despite my request, XXXX has failed to provide any verification of this debt or respond to my inquiries within the required time frame and EXPERIAN Credit Bureau continues to validate this debt even while complaints with XXXX have gone unanswered and still pending! As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. XXXX and EXPERIAN Credit Bureau has not met this obligation, and as such, the collection account should be removed from my credit report. 
The details of the collection account in question are as follows : Collection Agency 's Name : XXXX Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.

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 2023-03-01
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities.

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account PXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

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 explanation
Consumer complaint received 2019-08-06
Company: H. Kent Hollins, Attorney at Law, P.A
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didn't know anything happened until I got my direct deposit and noticed I was missing a huge amount of money. A couple of days later I got a letter in the mail from my human resources office of a copy of a court ordered garnishment. The paper showed my maiden name ( XXXX XXXX ) and an address in XXXX, Florida ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX ) in which I've never lived or have ever been. I also noticed that my own human resource office gave these people my current address without my consent or informing me of this. I never got a chance to exercise my rights of this claim/judgement/court order as I didn't know anything about it. I also noticed that the original creditor is XXXX. The only XXXX I know is a gas station, and if I ever owed them anything that wouldve been over 20 years ago, which is well past the statue of limitations. So here 's the information on the copy of the paperwork : PREPARED BY : H. KENT HOLLINS # XXXX ATTORNEY AT LAW, XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX ( XXXX ) XXXX TOLL FREE ( XXXX ) XXXX FAX : ( XXXX ) XXXX ATTORNEY FOR THE PLAINTIFF -IN THE DISTRICT COURT OF XXXX COUNTY , KS XXXX JUDGEMENT CREDITOR VS XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX JUDGEMENT DEBTOR XXXX XXXX ATTN PAYROLL DEPT, XXXX XXXX XXXX XXXX , ( XXXX ), XXXX XXXX GARNISHEE PURSUANT TO CHAPTER 61 OF KANSAS STATUES ANNOTATED CASE NUMBER : XXXX REQUEST FOR WAGE GARNISHMENT {$1000.00} DATED : XX/XX/2019 *SAID THAT THE ALL PARTIES WERE TO BE NOTIFIED/RECEIVE A COPY OF THIS GARNISHMENT ORDER IN FOR AN OBJECTION WITHIN 14 DAYS AND I NEVER GOT ANY COPY OF SUCH OR I WOULD'VE OBJECTED. 
*WRONG ADDRESS, BUT FOUND MY EMPLOYER AND YET I WAS NEVER INFORMED AT ALL. 

EXECUTED ON : XX/XX/2019 GARNISHED FOR : {$260.00} XX/XX/19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/XXXX I paid full amount {$190.00} owed to credit card and every since then I have attempted to close account and get my XXXX dollar deposit back from Capital One. They have refused and have sent two statement cycles but no deposit check. I don't want to do any business with them, just want my money refunded. This is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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 am a victim of identity theft and sent the paperwork I filed with the FTC to the credit reporting agencies and submitted disputes. The disputes were not filed correctly and the paperwork was not attached to the disputes. And I have not gotten copies of the verification process

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 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: VA
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 recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as being OPEN and having a PAST-DUE BALANCE of {$3200.00} creditor is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$380.00} which I do not recall having that account. This is a violation of the FCRA and is in violation of requisite METRO2compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 
The following hard inquiries have never been requested by me XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXXXXX on 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 explanation