BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the XXXX XXXX XXXX  XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account CAPITALONE in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX is not responding to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX 2017, I requested verification from this company of the debt that they claim I owe. They never responded to me, nor did they provide me with the requested verification. It has been 88 days since I requested this information and they have yet to respond to me. The alleged amount owed is {$28.00} yet I was never made aware of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Progrexion Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Please review creditrepair.com, a company misleading consumers to believe that factual information can be removed from credit reports. From their website " CreditRepair.com can show you exactly whats hurting your score & how you can work to fix it ''. You can not " work to fix '' missed payments. This is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
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 was a co-signed loan for my niece. She paid off the loan in 2020. They removed the amount 3 times in her bank account and refunded once. NMAC told her they had recently switched to a new payment system and there was an error on their part, they would get it corrected. My niece had to pull her bank statements to show where the payments had been made and they finally corrected the mistake. When I pulled my credit report on XXXX, they had reported that the payment was 60 days passed due and it has pulled my credit score down. I called the customer service number and they denied that they even reported to the credit bureau and there was nothing showing on their end to even report as late. They refused to correct the inaccurate information and when I explained that I needed that in writing they refused again. The first customer service rep. was XXXX ( refused to give any more info ) He also said there was no manager there and refused to give corporate info. The second was XXXX and when I explained I would like to record the conversation since they would not give me anything in writing, He refused also. I called XXXX in the corporate office after having to XXXX the number and she suggested at first to transfer me back to customer service, I explained the responses I had already gotten and then she suggested that I call the dealership where we purchased the vehicle originally, I called and XXXX ( manager ) said there was nothing they could do, they had nothing to do with Nissan 's finance dept. I went back to my credit report online and clicked on the link to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: NAM National Arbitration and Mediation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a call immediately after I sent an email verifying that the amount has been paid in full and closed. After speaking to several representatives, the company kept giving me attitude and implying that they needed proof that I paid it off even after I sent proof. Then had the audacity to say that the company that I had already paid charged me too much, which is inaccurate information. I have paid this debt and want to be left alone.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-24
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:
Made several attempts to dispute. 
This was XXXX BK XXXX was filed in error!!!! Was not privileged to file and there no course of action was taken and was denied. 
XXXX  has failed to verify whom they spoke with at the US Bankruptcy, and how did they investigate! I asked them to remove, as it was filed in error and the time permitted to file was premature and therefore not enforceable. I asked credit agency to remove in XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX. I stayed Please remove unverified public record

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full in agreement to delete from my report. American Express instead only deleted payment history and remarked as paid in full. They have broken agreement and violated my rights according to FCRA as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: ERC
State: MS
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:
On XX/XX/2020, I saw that a collection account using the name of Enhanced Recovery started being reported to my XXXX  credit report. The debt is not mine and I have never received a bill or invoice from Enhanced Recovery about this debt prior to it being reported on my XXXX credit report. I disputed the account because it is not mine and XXXX  reported on XX/XX/2020, that Enhanced Recovery verified the debt and it remains on my credit file. I wrote a letter to Enhanced Recovery asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my XXXX  Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: MA
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 owes money and her debt collectors Navient keeps calling and sent a letter looking for XXXX. I have contacted lawyers and can not contact the company directly however have told them several times not to call me I do not owe a XXXX. They call my cell number and my mothers landline. I never ever gave any info for the job reference for XXXX just my name and number. I never consigned anything. My mothers number is on the do not call list. Her number is XXXX and my cell is XXXX Numbers that Navient uses are XXXX. XXXX. XXXX. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop 25 or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies Transunion , XXXX and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!

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 2017-08-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express increased my rate on my card ( a/c XXXX ) from the regular rate of 10.99 % to the default rate of 29.99 % due to a one-time, 2-day late payment. My understanding of the Credit Card Act 2009 ( Sec 171 ) is that default interest is supposed to only be charged after the payment is 60 days late. I believe that they are not acting within the Federal Laws applicable to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03
Company: United Consumer Finance, 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: Account information incorrect

Complaint:
United Consumer Finance is inaccurately reporting an alledged debt in the amount of XXXX on my Experian credit report that is inaccurate and injurious to my credit rating and overall l financial status. I have sent United Consumer Finance a validation notice under The Fair Debt Collection Practices Act Section XXXX via certified mail return receipt requested on XX/XX/2018 Article # XXXX XXXX XXXX XXXX XXXX. 
I disputed with credit bureau ( s ) and it was illegally verified by United Consumer Finance. 
The alledged truncated account number reporting on XXXX   credit report is XXXX want this inaccurate, injurious, erroneous information removed immediately from my XXXX credit report. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: STERLING JEWELERS, INC.
State: PA
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:
I received mail from a company called XXXX XXXX XXXX, XXXX specifically the " XXXX XXXX & Servicing Department '' in regards to a collection I owed to XXXX XXXX. They said it was a Notice of Bank Levy, for owing XXXX XXXX {$790.00}. It said the default in question was originally recorded XX/XX/2015 and was in statue for involuntary recovery. The notice looked fake, and had the appearance of a court order, with the whole them vs me complaint, but was not signed, or stamped or anything. They did have my correct DOB, SSN, and former account number on it. So I called XXXX XXXX to see what I owed, if any, and they told me to call their debt collector, XXXX ( XXXX XXXX XXXX ). So I called them and they said I had that account resolved a long time ago, and they will send me a copy of the receipt as proof ( I do not have at time of this complaint ), and to ignore this false document I received. There were a lot of threats in said letter, such as bank levy for my accounts, affecting credit, and garnishing sources of income to include wages and accounts. I know this is not the case so I wanted to submit a complaint about it. The number on their mail they had listed is as follows : ( XXXX ) XXXX as phone, and ( XXXX ) XXXX as a fax.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on my credit report there is a company trying to collect over XXXX dollars from me i have no idea who this company is or where have i ever signed a contract or agreement with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. 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 about this unverified account 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 2018-07-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX XXXX # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2200.00} XXXX XXXX  # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX XXXX  # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX provides me with my Fico Score based on information that is provided by TransUnion, Under what is affecting my score it states the following : What's hurting Presence of derogatory public record or collection Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. Demonstrating a good payment history on existing accounts is a best practice. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. 

I don't have any of the above so I contacted TransUnion and received a copy of my credit report, no derogatory public record or collection, i called TransUnion and they confirmed none of the above are on my report, I contacted XXXX and they state I need to call TransUnion, TransUnion says to call XXXX, I even called Fico and they told me that I need to call trans Union, I want to get to the bottom of what is being reported and hurting my credit score

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 2018-07-30
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I reviewed my credit reports and found inaccurate information reporting in my 3 bureau credit files. The account is unknown to me so I contacted the company XXXX XXXX XXXX XXXX by letter delivered by certified mail on XX/XX/2018 ( see attached letter and certification of mail ) that was over 45 days ago and I have yet to receive a response.

This company has failed to comply as per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to XXXX XXXX XXXX XXXX regarding account number XXXX for a sum of {$20.00} is to provide via CFPB portal full validation or delete this unknown account from my 3 credit files. I have explained that this account is unknown to me and I require  FULL validation pursuant to the Fair Debt Collection Practices Act and XXXX XXXX XXXX XXXX has failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to all 3 credit bureaus all the other bureaus remove the negative accounts but to my surprise Experian responded stating that after the investigation they have found that I was responsible and the accounts belong to me. That's it no evidence or proof of their investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Beginning of XXXX I took a loan out through XXXX XXXX for XXXX. My intention was to pay the loan back within the first week of XXXX. Hours are short in my line of work during the month of XXXX typically so I do not make as much. But I receive a bonus on XXXX, which was why I planned to pay the loan back quickly. Due to unforeseen circumstances I was unable to do so. At that point I continued to make the regular payments that were due through my contract with them. After a month or so of paying them quite a bit of money and receiving an email that my loan had not gone down by very much I decided to look closer at the details of the loan. My interest rate was 167 %! By end of XXXX I had paid approximate {$560.00} and my loan had gone down by about {$75.00}. Of course this is my mistake for not looking at the details beforehand. In my case, it was because I didn't plan on paying through the full length of the contract so at the time I felt the details were irrelevant. Again, my mistake. But regardless of those facts 167 % interest is outrageous! I attempted to call the XXXX XXXX location to discuss the matter and spoke with XXXX, the manager on duty. Where she informed me that she did not think that rate was unfair and it was actually one of the company 's lower interest rates. For a company who, for the most part, serves customers in financial duress, this practice seems unconciencable. They are taking advantage of people at a low point. For the record my payments have all been made on time and will continue to be. I just want to warn anyone in a time of need to please use any other options! You will dig yourself a hole with this company that is very hard to get out of. After my experience I was able to find other companies with much more reasonable interest rates. Do your research. Hope this helps someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This information is in regards to a check that I deposited to start a company to start a home business they told me to go deposit the check it was a XXXX XXXX XXXX and told me to all the places to go to buy software and computers and things like that so when I did Bank of America automatically close my account I did not know this was a fraudulent company so now it's keeping me from opening any account here XXXX where I live now I have a checking account in XXXX XXXX but I can not use it for my job 's over here

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