BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Kriya Capital, 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:
Credence Resource Management -- XXXX XXXX XXXX XXXX, XXXX TX XXXX Collection Agency. Reported to Credit Score co for {$1700.00} with original creditor XXXX XXXX. 

Spoke with collection agency over phone when they called. Explained that they had the WRONG PERSON! That I did not even live at the place where the bill was charged. 

But they still reported to 2 of the 3 credit score companies causing over XXXX pointsDROP in my XXXX  score. Just as I am about to make purchase a housing causing me to stop! 

I don't know what else I could have done. IT IS OUTRIGHT ABUSE of this collection agency. They reported me only because I have similar name and was coming after me for collection. t seem VERY ILLEGAL for them to do that and RUIN MY CREDIT SCORE which was above XXXX points for YEARS! NOW it came down to XXXX 's. Please INVESTIGATE! My name is XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Paid off my loan with Navient on XX/XX/XXXX. They are reporting my student loan as open with a {$250.00} balance. A recent XXXX  denial letter shows they reported my account as delinquent after it was completely paid off. They are also inaccurately reporting that my old student loans first defaulted in XXXX. Those loans first defaulted in XXXX and thus should have aged off my report. I have uploaded all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Bridgecrest Acceptance Corporation
State: MA
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 sent Bridgecrest multiple dispute letters asking for validation of debt bearing my signature ( which they have to provide according to FDCPA and FCRA ) with the first letter starting on XX/XX/2020 which was signed for by them via certified mail receipt on XX/XX/2020 ( I have proof ) about an account on my credit report showing that I owe {$10000.00}. They responded claiming they didnt have enough information to look into it. That is false, I provided my name, address and social security number. Also the amount owed and the account number showing on my credit report. They failed to mark the account as in dispute on all 3 credit bureaus within 30 days of my dispute which they have to do by law. Till this day it hasnt been marked as in dispute. I sent them another letter on XX/XX/2020 ( with certified mail receipt of signature on XX/XX/2020 as well XXXX letting them know they did not comply with the law and they must now remove it from my credit report. I let them know they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. They responded on XX/XX/2020 but nothing was done nor was it marked as in dispute. If im able to, attached you will proof of both of my letters sent to them via certified mail and proof of being signed for via certified mail receipt. As well as Bridgecrests most recent response to my most recent letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: NM
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: Problem with personal statement of dispute

Complaint:
I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. XXXX and Experian show Paid and 27 charge offs, XXXX show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as 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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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: Problem with personal statement of dispute

Complaint:
I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. XXXX and XXXX  show Paid and 27 charge offs, Transunion show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as 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 2020-05-29
Company: EQUIFAX, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX/XXXX XXXX XXXX XXXX XXXX with a date of XX/XX/2005 and a phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
there are 3 wrong addresses on my report that I have never been associated with. I believe this is a result of identity theft. Any address in New York is incorrect

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 2017-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This company is a cheat and a fraud, I disputed some charges as fraud from the year XXXX, XXXX and XXXX in the first week of XXXX XXXX, I was told that a decision would be given on XXXX/XXXX/XXXX but when I called today at the capital one, I was just being transferred from one department to another. The charges are around {$8000.00}, but I was just placed on hold and no explanation was provided. 

I spoke with the employee XXXX  today, her employee Id is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive inquired numerous times In The month of XX/XX/2020 to increase my credit line due to how much I use it. I understand how the procedure is done through an AS ( Automated System XXXX Ive been told my credit was too new and I have too high of credit utilization this was back in XX/XX/XXXX of 2020. Ive never made a late payment Ive always been on time Ive never defaulted. The only derogatory remark I have when I call settle they tell me the account has been moved which negatively has been effecting my credit. As a collection agency they arent allowed to call me but they are required to mail me about the transfer of my collection debt which they havent making it hard to make a payment. I finally tracked them down but bc my debit card literally snapped in half I havent been able to pay them. This is just the start of my issues with how Ive been treated. XXXX XXXX I made a payment from my XXXX XXXX account and it was bounced back m. So I made a payment from my XXXX XXXX  account the same one I clicked the first time and Ive been waiting for the payment to clear mind you this is 8 days later. Ive had this incident happen before and Ive done the procedures to get the funds released immediately however when I called discover about this they told me they cant escalate the payment even though they have in the past. Ive filed multiple complaints with them and to no answer Ive called multiple times and they give me the run around Im done dealing with my credit on my own please protect me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH 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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: GA
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 opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-01-26
Company: EQUIFAX, INC.
State: OH
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 sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter. Also, they are reporting inaccurate personal information on this account which is another violation of the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
XXXX XXXX XXXX from NMAC provided personal information about late not being on my credit report with out my permission which is violation of client confidentiality. I am currently in middle of investigation with attorney general office, FTC and XXXX. 
I never never authorize anyone to speak on my behalf which is going to have negative consequences on my lawsuit with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX - A new entry appeared on my XXXX credit report for : I C System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Amount {$250.00} I do not owe any debts that I 'm aware of, nothing past due. When contacting the company, they refuse to share any information about this unless I provide my sensitive personal information ( full name, address, DOB, SSN ). I 'm not comfortable providing this information to some unknown company that just dinged my credit report. I have not received any prior mail, email, or phone call regarding this alleged debt. Do I have any recourse other than paying an attorney to dig into this?

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