BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2018 I sent a certified letter to company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX - XXXX XXXX XXXX XXXX with proper identification requesting to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), of the account balance {$110.00} They are required by federal law to verify FCRA ( Section 609 (  a ) ) They did not provide me with a proof of verification, as a gesture of goodwill before litigation if needed, I am requesting removal of this account from my 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 2021-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: EQUIFAX, 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:
On XX/XX/2017 I sent a certified letter to Experian and Equifax asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC XXXX letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error on my credit report

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There is an old unsecured business loan that is showing up on my credit report. It was to XXXX XXXX XXXX. It was purchased by XXXX XXXX XXXX. The debt was settled with XXXX XXXX by myself in 2019. Now there is another amount for {$9200.00} showing up on my credit supposedly originally owed to XXXX XXXX XXXX. I have disputed this debt numerous time through the credit agencies. I have asked for original documentation of the loan, which they can not provide. No documentation has been forthcoming. I just get back a message that the debt has be validated by XXXX XXXX XXXX. Aren't they required to provide the loan contract to me. They can not, because it doesn't exist. It feels like they are in cahoots with XXXX because XXXX is paying them to report old XXXX debt. 

I have just let the reporting sit out there because obviously they can't collect this debt that is not real. But now it is affecting my ability to get a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Systematic National Collection, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this account with Systematic Nation Co in XX/XX/2018 when I noticed it on my credit report. I requested the company and the credit bureau to validate the debt to make sure it was legally mine. I have not received any validation of this debt since XX/XX/ 2018 yet they continue to report on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Diaz & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called this company DIAZ AND ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX about a debt that was owed to another company known as XXXX XXXX XXXX. I ask for verification of debt but was getting the run around I told them if they can not verify this debt to please remove this debt from my credit report. But apparently it is still appearing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Navient Solutions, 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:
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from Navient Solutions that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with Navient Solution Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Navient Solution provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Navient Solution Cease and Desist all further communications and collection actives and provide the verification of the purported debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Open a online checking account with Wells Fargo after seeing advertisement for a {$400.00} rebate on XX/XX/2019. Called customer service on around XX/XX/19 to validate the claims made by online advertisement and was instructed that as long as the requirements of making {$3000.00} in direct deposits over the next 120 days as well as well as maintaining an available balance over the time frame the promotion will be awarded the promotion. Contacted customer service again XX/XX/2019 and was told that I met all the requirements of the promotions and should be automatically deposited in my account at the end of the month. Called customer service again on XX/XX/2019 to check the status and was told I that the promotion could not be awarded because the social security for the account was never validated. So after 7 months and me constantly keeping in contact and having multiple transactions on my checking account Im told promotion cant be awarded. It seems as outright deceptive practices because they have no intention on standing by their advertisement.

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 2020-08-29
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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX HAS MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
XXXX XXXX XXXX failed to send me a notice and to allow me to request validation of this debt before placing it on my credit report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. I further remind them 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 ] ( 3 ) Duty to provide  notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account Notice : I am compiling information for litigation. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, LLP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
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 see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-02-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I applied for a loan from ace cash express on XX/XX/2015 I was approved and received my money. I don't remember the exact amount, but they are saying I owe XXXX now. They call me repeatedly 19 times in 2 days. I've offered to make payments on my time with what I can afford I work part time and make XXXX an hour working 15 hours a weem paid every 2 weeks and plus raise my son. They told me they have me on video, which is wrong I applied online, and that I drive a black XXXX, which is wrong. They tell me they will use me, take me to court and make sure my son get taken away. I'm XXXX off over this I understand I need to pay it and I will buy I refuse to let my son not get his daily nutrition over a payday loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hey hope you guys can help me in this matter. There were a couple inquiries I noticed on my credit report today that are fraud. I never gave these companies my personal information to run my credit report. They are in violation of the Fair Credit Reporting Act 15 USC Section 1681 for unlawfully obtaining my credit report. I never gave them permission these are FRAUD. I noticed my scores have also tremendously dropped due to these companies non compliance. I tried calling and sent letters and nothing was resolved I have no other choice but to submit a complaint on my end. I also attached an identitytheft report because these are not mine. Thank you 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 explanation
Consumer complaint received 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my credit card because they stated the payments were inconsistent, but my credit is reporting that there has never been a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX continue to report a debt that is not mine though Convergence outsourcing ... this is ruining my credit ... I have no knowledge of this debt. Prior to this they reporting this through XXXX and I send an affidavit of identity fraud attached, the debt was then removed but now shows up once again ...

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 2020-08-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase bank pre approved us for $ XXXX for a home mortgage. We found a house for XXXX. We had our offer accepted. Then we started the process on XX/XX/XXXX. We filled out our mortgage application with chase. We were told 21 days was their guarantee for closing. We were advised that it was ok to close on our home ( we sold it and closed on XX/XX/XXXX ) During the process chase blamed COVID-19 for a ton of issues. We were not updated regularly and tasks kept being assigned for the same issues. ( Paystubs, w2s .... ) we sent all of the documents multiple times. The mortgage specialist kept telling us our finances were approved and that we were on track. We heard nothing for 2 weeks. Chase wouldnt return our calls and our paperwork expired. Long story short ... It is now XX/XX/XXXX and Chase informed us that they can not validate my wifes income as she is self employed as a piano teacher. I spoke with a manger and was essentially told that there is no way they can approve the mortgage but XX/XX/XXXX and that it would be a miracle if they did. Chase bank is terrible. I had to apply with another bank and have to be out of my house by XX/XX/XXXX. Its unreal. I would never recommend them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 have a loan with KOHLS/CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and KOHLS/CAPITAL ONE with no successful resolution. XXXX, XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: Total Card, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I do owe a past balance on my account but it is only 1 month late. I don't mind the phone calls to my cell phone, but on XX/XX/2019, Total Card Visa called my employer and harassed them about where I was and when I was going to be paid. That, in my opinion, is unethical. Never have I gave Total Card permission to contact my employer, let alone harass them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Social Finance, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of a online money scam fraud. They got my information and opened a loan in my name now i own this loans and didn't do any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
paypal credit keeps charging me interest when none is due and all the promotions they offer include the interest in the monthly payments. 

The 6month no interest promo is no interest for 6months the easy payment plan includes the interest in the monthly amount at a fixed rate that insures they collect interest on each easy payment so long as it wasn't an easy payment with no interest promotion. 

I have called the company many times and I either get the run around with misrepresented words or they hang up on me while trying to figure it out. They are doing it to millions of people collecting millions a month in these interest charges that no one can explain. 

I tell them how can they charge that extra interest when I have everything paid so I pay no interest except what was previously agreed to in some of the easy payment method. 

Even managers will talk deceptively and hang up or do all they can to confuse me and get me to curse or hang up. They were obviously trained in manipulative talking tactics. 

Syncro bank I think they are called paypal credit. They do not honor their agreements because of these extra charges its like 200-500 $ a year extra that I didn't agree to pay. 
Their whole system stinks of a money laundry or a off the top scam. 

See that XXXX $ what is it for if all the interest is already included in the easy payments and I don't have any 6month no interest due. And I understand they take a portion of the 6month promo every month but no interest is charged. What is that XXXX $ similar charges on all my statements. What is it they are super shady about it and can't explain. 

Please look 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
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.

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