BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: FIRST ADVANTAGE CORPORATION
State: AZ
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 have fraud in the past i did file i was also incarcerated as well when the person was using my identity ..the person open up account with XXXX XXXX XXXX XXXX XXXX XXXX other companies as well i only lived in two address which is XXXX XXXX XXXX XXXX XXXX XXXX and currently living at XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
received frequent calls. I told them the debt was settle out of court by their lawyer and that they need to contact their lawyers. they still call my home and they file a false report with credit bureau saying the account was delinquent. i have proof the account is up to date in payments. the payments are made directly to their lawyer as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: VA
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 account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # 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 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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 challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from this account and ask them to provide me with copies of the original contract between myself and XXXX XXXX and validation associated with this account, bearing my written signature. This has account has been updated with activity and this is a closed collection account. The term duration is INNACCURATE on this account states 1 month on XXXX, 0 months on XXXX, and Unknown on Equifax which is inaccurate as well as the first date of Delinquency are inaccurate as well. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I also attached an article from the CFPB ordering " Repeat Offender XXXX XXXX XXXX to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations '' I requested validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] [ 15 U.S.C. 1681e ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Westlake Services, LLC
State: CA
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:
This account is Fraud, I never give anyone permission to pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. XXXX, Equifax, and XXXX have failed to remove the extended fraud alerts to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit systems is reporting on my credit that I owe them and or XXXX XXXX. I in fact do NOT owe them as I've never opened a account with South West Credit. Several attempts have been made to XXXX and XXXX to have this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please 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 explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions 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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-08-15
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call stating that I was being served a court summons and asking if I was home. When I asked what the summons was related to, I was given a phone number and case report to get more information. 

When I called the number given to me, I was told by a man calling himself XXXX XXXX, that her worked for XXXX XXXX XXXX, a law firm in XXXX and that I was being named a defendant in a case by Citibank pursuant to an unpaid balance on a card fromXX/XX/2016. ( This card was paid and closed as shown in my credit report ) When I responded that I had not received any communication from Citibank regarding such a debt, I was told it as because it had already moved past the collections process. That the total sum now due would be over XXXX ( the original stated amount was XXXX ) I was told that the serving company messed up and werent supposed to give me a number to call and that since I had called I could possibly be eligible for remediation to avoid civil court costs. If I paid online that day through a XXXX statement, I would only be required to pay XXXX. When I indicated that I would like more time to investigate the veracity of this suit/ claim there was no effort to coerce me. 

I called the XXXX  Attorney General 's Office after being unable to speak to anyone at Citibank to verify the collection. They referred me to the Secretary of State 's office to see if this company had a Surety Bond which allowed them to collect debts in the state of XXXX. When I called, I was told this company did not have such a bond and that I was likely the victim of a Scam attempt.

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 2023-11-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt has been disputed many many times and documentation of Identity Theft has been provided via certified Mail to this collection agency and XXXX. I have never done business with XXXX and my name is not XXXX XXXX. This debt is not owed by me and the collection agency is in VIOLATION OF FDCPA and TCPA as they are in receipt of documentation from police department and FCRA advising of identity theft but they continue to attempt to collect. I was also just notified that this is now on my credit report ; as a result I am actively providing XXXX XXXX my attorney to get a case against the collection agency as they have now causes me damage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX and XX/XX/XXXX XXXX  deposited funds into account. On XX/XX/XXXX when calling number listed on back of card. Automatic recording stated a card was mailed out on XX/XX/XXXX and would receive within 2 days. I never ordered a new card my old card has NOT expired. And I'm kicked out of my direct express account. It now states my SSN is invalid. Have Been using this card for 6 years now without issues until. Now I have called and called nothing has Bee resolved. Contacted. SSA by phone. Visited local office I was told there it's nothing they can do. Also after reading several reviews across the state. A lot of people are having these issues. SSA confirmed funds have been deposited Into my account. This is just ridiculous. Iam the payee for an XXXX individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a XXXX XXXX credit card. I fell behind on payments in XXXX of XXXX. The balance on the collections letter is XXXX. I missed XXXX, XXXX, XXXX yet made a payment in the amount of XXXX on XX/XX/XXXX despite being unable to work to Covid-19 since Mid XXXX. I made two more payments in the amounts of XXXX on XX/XX/XXXX and another in the amount of XXXX on XX/XX/XXXX. The letter asked that I pay XXXX before XX/XX/XXXX and then my account would be considered " resolved. '' I paid XXXX before XX/XX/XXXX! 
I spoke to a collections person explaining why I missed XXXX and then subsequently how Covid 19 rendered me unable to pay because we had no idea what was going to happen and were unable to work due to a shutdown of all work in my area of NY and pandemic unemployment insurance payments were being held up in NY. He wanted me to commit to making payments which I could not, because i was unaware of my financial situation due to Covid. I told him I would make the payment through the XXXX XXXX website when I could. Low and behold, I made all these payments and it was not reflecting these payments being made. In fact, it states that i have a balance of XXXX currently on the XXXX XXXX website despite having made these payments directly TO the XXXX XXXX website. The also imposed a XXXX late fee on XXXX XXXX   payment though I had paid nearly all of the balance in XXXX. 
When I called the collections agency explaining the payments I had made, the jerk got on the phone again, he asked me how long I had been in business, to which I replied over 30 years. He congratulated me sarcastically and then asked why I had no money having been in business for so long! I reminded him we were not allowed to work. That this was a PANDEMIC. Absolutely unacceptable. I called him a few choice names and hung up on him. 
I do not have a balance of XXXX as stated online TODAY, XX/XX/XXXX, with XXXX XXXX nor is it being reported correctly on my credit reports which i have also filed disputes with. 
Another important thing to mention is that during the early stages of the pandemic, In XXXX, XXXX XXXX was ENTIRELY shut down. The had no one to help in customer service, the stores shut down. You could not speak to any representative in any department and they had an automated voice saying so and that you should call back. I tried to call XXXX XXXX to discuss my payment problems, tried to apply for Covid assistance ( deferment ) through XXXX XXXX online to no avail. My account was closed, not by me. This was outrageous because of the unprecedented situation nearly every American was and ( millions ) still are in. Next thing I know, I get a letter from collections.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I dont have a credit file or score and or debt that exist with all the major credit bureaus. So no one is able to verify my social security number or credit worthiness etc. its causing me trouble being a consumer.

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 2023-01-02
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX VIA XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-09-15
Company: PNC Bank N.A.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Two companies are involved - XXXX ( XXXX XXXX ) and PNC Bank- I initiated a wire transfer on XX/XX/2023 that left my XXXX XXXX. We followed PNC 's mortgage payoff letter on where and how to send. The money left my XXXX account but PNC never posted to my mortgage. Neither company is able to tell me where my {$100000.00} went.

Company response to consumer: Closed with non-monetary relief