BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bankruptcy court dismissed filing, and also barred from filing for 2 years. 
So there is no trustee filing ; the {$250.00} trustee fee never materialized. 

With hefty penalty and interest, it went way up. 

Please delete to zero, I waive mine rights for damages.

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 2022-05-02
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was wrongfully documented and incorrectly pinned under my name. I do not have any knowledge of this company as they have never provided their services that was authorized by me ; therefore, I have directly mailed the company, Coachella Valley Collections Services, certified letters 3x ( dated XX/XX/XXXX, XXXX, & XX/XX/XXXX ) in the last 6 months to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to request for them to verify and validate this account to me and my name. Each time, the company has failed or neglected to repond back to me with any correspondent as well as any evidence. Since they were unable to and have never responded to me nor provided any evidence to prove this is me and this debt belongs to me, I demanded that they corrected this mistake by reporting this mistake to all 3 of the credit bureaus. This collection debt has been removed from my name with XXXX and XXXX only. I am requesting assistance to do the same for my XXXX account and name immediately. I have attached e-copies of the receipts with tracking numbers of the 3 certified letters I have mailed to them directly as my proof to support my claim : 1 ) 1st certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2nd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 3rd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: National Financial Group, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX, Joined XXXX XXXX  located in XXXX, IN in 2010 and soon found out the the company could not live up the fake advertisement and promise of getting quality product in an timely matter. We cancel our membership with XXXX XXXX  and notify XXXX XXXX that we are no longer an member this club. We made payment according to the initial signed contract for a couple of month more until we found out that XXXX XXXX was not going to release us for the service agreement with XXXX   XXXX. Both, XXXX XXXX  and XXXX  XXXX ask and plead if we would give XXXX XXXX another opportunity and we did not base on the poor management, customer service, and lack of product. Eventually, XXXX   XXXX turn the account to XXXX XXXX XXXX XXXX collection agency to collect and we ask National Finance for the validation of debt and we did not received anything for XXXX XXXX XXXX XXXX or XXXX XXXX. We request the National Finance remove the collection off of our credit report immediately. This is attempt to collect debt that we do not owed. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: LA
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-09-14
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had opened this card and received a XXXX XXXX dollar credit on my account and they were to bill me for the remainder. I never received a bill for a payment and then on XXXX I received a letter ( not a bill ) that I was late on my payment. I immediately called and talked to an agent by the name of XXXX ID # XXXX. He took my information and checked and found that they had incorrect billing information. They had me as paperless billing which I did not request. That was also incorrect because they didnt have bank routing or a debit card. This resulted in me never getting a bill in the mail which XXXX verified was accurate. He removed the late charges and interest because it was their error. I have written them 5 letters explaining why they should take this bad report off my credit bureau records and they have sent me back form letters saying they stand by their late payment report. They refuse to acknowledge that it was their error in billing that caused the problem. My credit has gone from excellent to good. Im XXXX XXXX XXXX and Im going to get a new car lease and this will affect my payments. I pay all my bills on time and in full and yes it was late but Im not at fault. All I want is to restore my excellent credit.

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 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Capital One continues to try and XXXX me in commerce by denying to settle the account. I have provided payment yet they refue to apply payment to the account. WHY?! Capital One knows they report negative responses to credit bureaus and therefore it destroys my ability to obtain credit. The problem with this is that a credit report does exist, there is no negative responses on my credit report, I am the creditor the United States is borrowing from yet XXXX XXXX continues their financial slavery, XXXX me commercially, murdering me financially to the point I can not obtain my constitutional rights to life, liberty and the pursuit of happiness. What is Capital one 's reason for continuing to disriminate against me and damaging my credit. How can I live if I can not find a place because I am denied credit? How can I live if I have no utilities because I am denied credit? WHy does the government continue to allow these criminals to get away with these deceptive practices and damage the american public. YOU WORK FOR US! WE EMPLOY YOU! YOU NEED TO START DOING THE JOB WE PAY YOU TO DO AND PROTECT CONSUMER RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX **** XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-10-10
Company: EQUIFAX, INC.
State: MO
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting that I owe a debt to Affirm and Affirm has sent the debt to a company called XXXX. I have sent XXXX and XXXX both letters disputing the in accurate information reporting on my credit report. I stated that the information listed is in accurate and does not belong to me and if they can not do a thorough investigation to please have it removed from my credit report. They have yet to follow those guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute certain information in my credit file that I believe is incorrect. This request is made under the Fair Credit Reporting Act ( 15 USC 1681 ). 

The following information currently listed on my credit report is incorrect and I request that it be corrected as soon as possible : Incorrect Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX, AL XXXX ( XXXX XXXX ) Please correct my address to : XXXX  XXXX XXXX XXXX XXXX, XXXX IL XXXX. 
Incorrect Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please correct my phone number to : XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX My correct name is XXXX XXXX. 
Additionally, please delete all information in the employer section as I am currently not employed. 

I appreciate your prompt attention to this matter. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. 

Thank you for your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Ridge & Valley Realty, Inc.
State: CO
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 had 3 collections on my credit report from Credit systems inc. I was told by the company in question that if i paid the collections then the they would be removed from my credit report. The collections have been paid and i have made repeated attempts with the company and the 3 credit bureaus to get the paid collections removed but have had no success. Please help as they are negatively affecting my credit score and i was told they would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is reporting a debt in the amount of {$2900.00} and with an opening date of XX/XX/XXXX in the state of pennsylvania. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). XXXX XXXX XXXX XXXX does not have legal right to attempt to collect this alleged debt. 

In addition, this collection was closed and removed from my XXXX Credit report dated XXXX, XXXX, XXXX. The creditor, XXXX XXXX XXXX XXXX, reinserted the collection item, reported as of XXXX XXXX. XXXX is required by the Fair Credit Reporting Act ( FCRA ) to notify me in writing within 5 business days of re-inserting a previously deleted item, FCRA 611 ( 15 U.S.C. 1681I ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: MI
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 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. 
- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: AZ
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 tried on more than one occasion to dispute the verbiage on my credit report. Equifax refuses to change it despite my efforts. XXXX, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. Equifax need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/XXXX, Equifax states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This debt is an absolute violation of contract! The owner of " XXXX XXXX XXXX '' sold me a lemon, and then stole everybody 's warranty money in the middle of the night, including mine, instead of paying them to the warranty company, as well as all of the titles to every car sold in a given period of time, and fled to the XXXX. Shortly after the authorities contacted me, I was added to a class action lawsuit, and then my head gasket blew, making my car a paper weight, so It ended up in a scrap yard as far as I know. So they violated the contract which they themselves setup with the bank, and according to the lawsuit, I am not responsible for the debt. I disputed it with TransUnion and I sent them a letter from the credit union releasing their interest in it because they couldn't get a title for some reason, didn't want the car back due to the engine being blown and they just wrote it off on their taxes, and I sent them my fraud report filing with the FTC and TransUnion still claims that it is a valid debt, which it is absolutely NOT. Thanks for your 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 non-monetary relief