BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: TX
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:
This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX  county court 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX

8 ) XXXX XXXX XXXX XXXX XXXX  
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak.

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to.

I plan to sue this Company for damages to my credit, punitive damages and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX permission to furnish these accounts. American Express acct # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX I do not recognize the inquiries that appear on my credit report. I have requested XXXX to remove these inquiries several times and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: National Credit Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a missed call from National Credit Services at about XXXX XXXX on XX/XX/19. I returned the call and verified my date of birth but refused to give the last four of my social security number. I asked the rep who they represented and she kept giving me her company 's name. I asked for a supervisor the rep asked me to hold and then came back onto the line to ask me to continue holding. I advised her that wasn't necessary and to please just remove my telephone number. We ended the call. The next morning I received another call. I called back and again verified my date of birth and again refused to confirm my social security number. I asked why I was being called when I requested my number to be removed. The rep asked my why I wanted my number removed. I advised her that it didn't matter why I wanted it removed. I asked if it was documented that I wanted my number removed and she stated that it was. I advised that I would be filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
I getting the run around about correcting a ongoing balance. Capital one blames it XXXX and XXXX  blames it on capital one. It is holding me up from buying my home. Loan officer wont let me go further

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: FL
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:
Equifax XXXX XXXX has XXXX Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled my debt with Portfolio Recovery Associates, LLC on  XX/XX/XXXX and found out in XX/XX/XXXX that they falsely reported my debt unpaid to the credit bureau. 

I settled my debt with PRA through a third party settlement company on XX/XX/XXXX and found out in XX/XX/XXXX, while applying for a Mortgage, that PRA had falsely reported my debt unpaid to the credit bureau. When calling PRA, they lied to me and claimed that while they had recieved a settlement proposal, they never accepted that proposal. They continued to tell me that I still owed {$1300.00}, and then offered me a {$750.00} settlement as if they were doing me a favor. I called my settlement company shortly thereafter and they immediately furnished me with proof of correspondence, which proved the settlement had been accepted. PRA literally had multiple staff and management members LIE to me to try to get more money out of me. What they did is blatantly illegal, and if I had the means and the time, I would pursue legal action. These derogatory marks on my credit report have affected my ability to secure a mortgage and will affect my interests rates for years to come, indirectly causing me thousands of dollars in financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: FL
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:
YOU HAVE XXXX days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my account with XXXX XXXX in XX/XX/2020. At the time I closed my account, all amounts due were paid. This was required since the phone number was transferred to my wife who also has an account with XXXX XXXX. 

I was never informed of any outstanding bills. Not by text messaging. Not by notice of any kind- email or snail mail. 

I checked my credit recently and saw that there was a delinquent report by XXXX in XXXX, XXXX and XX/XX/2020. I tried to call XXXX to find out what the debt was for but they just referred me to IC Systems- a debt collection agency. The XXXX representative said that she could not tell me anything else about the alleged debt and that I would have to talk to IC Systems. I sent IC Systems a letter asking as to proof of the alleged debt and have yet to hear back from them. 

I believe this to be a false debt.

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 2020-05-30
Company: SYNCHRONY FINANCIAL
State: FL
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:
Several months ago I purchased XXXX pairs of shoes, online, from XXXX XXXX. When the shoes were delivered they were the wrong size. XXXX XXXX accepted the return and issued me XXXX refunds in the amounts of {$85.00} for the XXXX pairs of shoes back to my Paypal credit account. On XX/XX/XXXX XXXX reversed the credits and this resulted in a deficit to my account in the amount of {$160.00}. Why XXXX reversed these XXXX refunds I don't know. Tying to contact XXXX has been impossible. I need my credit of {$160.00}.

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 2020-05-30
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection from Convergent approximately 3 months ago. I disputed the collection and requested information on the legitimacy of the debt. Today I received another debt collection from Convergent and the debt is now about quadruple the fee it was. I still have not received the requested information.

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 2023-01-30
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX, I submitted a notarized power of attorney to Chase bank in XXXX. I wanted to remove my mother from the account she died on XX/XX/XXXX and list as POA for my father. I was informed by their employee XXXX XXXX that Chases attorney could not accept the document because the year was missing where my XXXX father signed. I asked '' All I need to do is fill in the year and resubmit the document. He responded, yes, you don't have to come down to the office again you and email it to me. I did exactly as I was instructed. Now Chase attorneys says the document has been altered and no is longer acceptable. My father is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want Chase to take responsibility for their actions and stop holding an elderly XXXX man 's money as ransom, remove my mother and list myself on the account as POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: National Credit Adjusters, LLC
State: AK
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:
I have sent two requests to verify/validate this debt that they never even made me aware that I had, They have refused to validate my request and is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: NAVY FEDERAL CREDIT UNION
State: HI
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:
XX/XX/2014 I received a line of credit from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying it. It became a charge off but it is definitely PAID off now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
On XX/XX/18 I tried to cash a payroll check drawn from Bank of America at Bank of America. When I went into a Bank of America branch in XXXX, KS and I was told that a {$8.00} fee will be applied since I am not a banking customer. I should not be charged a fee to cash a check at the bank from where it was issued. This means that if I do not have a financial institution I am unable to cash the check for the amount it was written for. This is an unfair practice and a cost that should not be passed on in this manner. The check was written for {$830.00} and was essentially charged a 1 % fee to cash it.

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 2020-06-02
Company: EQUIFAX, INC.
State: WA
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:
Hi, I did contact this company to remove they pulled my report 3 times on the same day. This was also done after the initial report was pulled. I did contact them and they removed several of the other mistaken errors they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NC
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:
I co-signed on a loan with XXXX XXXX for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact XXXX XXXX they state they will remove them and they are still not removed.

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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) 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 2018-05-04
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Capio Partners , LLC violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and other state statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: First Technology Federal Credit Union
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: Account information incorrect

Complaint:
First Tech Credit Union resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected. 


XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by XXXX XXXX who sent me elsewhere while I had a open dispute.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: MO
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:
The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX Bank 2 ) XXXX XXXX Card 3 ) XXXX XXXX Bank 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX CU 7 ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I receive social security XXXX funds in my XXXX XXXX account. My only source of income. This debt collector has illegally collected social security funds from my account. Attempting to debit my saving because they know the source of my income is XXXX which my social security money automatically transfer money into a savings account. It is illegal for them to collect social security funds from my account because it is the source of my savings. This is my only source of income in my accounts. I will seek litigation with an experienced attorney if I do not receive all of my money back. Additionally i have knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I recently been a victim of theft from Carmax Auto Finance. They stole my vehicle on XXXX XXXX. I paid cash for my car and I don't have any contracts with Carmen Auto Finance and I demand that they remove any encumbrances or liens from my property if there are any and return my property immediately. I sent out written correspondence disputing the account asking for the original contract, and an audit trail of this debt they allege that I owe. I don't owe them anything because they never gave me anything of value. I Mailed in my correspondence disputing the validity of the account but they ignored my me and I have not received any response yet. Instead, they just came and stole my vehicle. They violated my rights and stole my property are attempting to steal my vehicle by theft and violate my rights. I will be forced to take legal action if they do not return my vehicle because they illegally repossessed my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Mobiloans, LLC
State: MO
Product: Credit reporting 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:
XX/XX/XXXX received text from XXXX XXXX XXXX, Mobiloans LLC stating my loan is approved and thank you for signing. I told them I did not fill out any loan application. They asked me for my Social Security to which I did not provide. I gave them the application number and said they should be able to figure out from there to which they wanted me to call. Why should I call, so they can try to get more info from me to scam me. I asked for a copy of the application and they said I had to call. 
I want this inquiry removed from my credit report as I did not authorize any such application or inquiry.

Company response to consumer: Untimely response