BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: NRA Group, LLC
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:
I have sent several request requesting Validation of an account on my consumer report. National Recovery Act XXXX, XXXX,XXXX. I've sent letters requesting Validation to XXXX XXXX, XXXX and XXXX. XXXX and XXXX could not validate the account pursuant to 15 usc 1692g therefore accounts were removed/deleted from XXXX and XXXX reports . National Recovery could not send validation pursuant to 15c usc 1692g so accounts are still reporting on XXXX. How is it that the accounts could not be validated via the other Repositories but yet XXXX is still reporting this false and misleading information on my consumer reports. 

XXXX Is in fact in violation of 15 use 1681b-Permissible Purposes on consumer reports. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, the Consumer never gave XXXX consent to report National Recovery Agency on my consumer reports. 

In fact, since failure to comply with the validity of this account. Account needs to be XXXX XXXX  and removed from my consumer report. 


XXXX also is in violation of 15 usc 6802-OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. The sharing of my information and communication with any person other than the consumer, without consent of the consumer is a violation and infringement on consumers right to privacy.

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 2019-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I called and spoke with a member of their team known as XXXX I asked for my account to be closed and he stated a confirmation letter would be sent to my current address. I received a confirmation letter with that same date We have close your Kohls charge account as requested. 

On XX/XX/XXXX I received notification from one of my other credit cards ( XXXX XXXX ) stating they would be unable to continue to allow me to use my credit card due to my deceased status on my credit report. I ran a credit report through each of the credit bureaus and each of them showed the Kohls account status as consumer deceased. 

I called and spoke to XXXX on XX/XX/XXXX and he had me go to a local Kohls store to prove I was very much alive. I show two forms of ID and they said within 30 to 60 days they would remove it from my credit report that they had missed keyed their entry. They also stated I would get a letter confirming their mistake in 2 weeks. 
All of this information was confirmed by a supervisor named XXXX employee number XXXX. 

XX/XX/XXXX I called as I had still not received the letter and spoke to XXXX as well as XXXX employee number XXXX who states that the card was closed due to me being deceased they are just now opened a dispute with their company as of XX/XX/XXXX. The resolution of this phone call with stated that the status on my account would be updated in 24 to 48 hours and the credit bureaus were already told as of XX/XX/XXXX that I was not deceased. 

XX/XX/XXXX I received a letter from Kohls stating that I had recently requested a Kohls credit card account be re-open but they were unable to process this due to missing income. At no time have I asked Kohls to re-open my card I am simply asking them to correct their error in keying my credit report as a deceased consumer. When I called on XX/XX/XXXX again I got the same answers of they hadnt started yet but that I would get a letter as soon as they had. 

I have filed a dispute with each individual credit report all of which have returned to me having corrected the deceased portion however today I spoke with XXXX and they stated that Kohls was still reporting me as deceased and though they can fix it internally until Kohls fixes that my credit report will remain troubled. I would have to call every time and tell the credit bureaus I am not deceased until I can get Kohls to fix their internal error.  Unfortunately I feel I can get nowhere with Kohls they are refusing to admit error on documentation or fix their error in mis-keying my account as deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Transunion evidence that a medical collection was paid for the original creditor. They sent investigation results on XX/XX/19 saying Verified as accurate.

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 2019-05-18
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a debt collector called Machols Johannes in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX XXXX XXXX. I have trying to Express my situation with Machols and Johannes bu th they just wont listen and have now file a court case against me for a bill I already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not been a customer of XXXX XXXX XXXX since XXXX and this debt posted on my credit report in XXXX. I have no knowledge of this debt, have not received any communications from XXXX XXXX XXXX nor the collection agency, and, to my knowledge, closed my account with XXXX XXXX XXXX without any outstanding bills. If this is an accurate debt owed, I am not even aware of how to pay the debt as no communications have been sent to me.

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 2022-02-02
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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my 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 non-monetary relief
Consumer complaint received 2018-11-02
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XXXX of 2018 ( I'm not sure of the exact date ) I ordered a eliptical machine from XXXX. Which was financed through TD Bank which is the credit card company. A few weeks after I recieved the merchandise I realized that it was literally bad on my knees, so I called and returned the elptical and ordered a treadmill. Mind you it literally took them almost to pick up the eliptical and then longer to deliver the treadmill. Once they finally picked up the treadmill. I realized that it would be very difficult to move the treadmill around to another room. Despite the commercial saying that it was concviennt and could be stored in any room. So again I called and had them return the treadmill. Which again took almost 2 months for them to pick it up. Now I look at my statements and my credit report. Which says that I maxed out ( well almost maxed out my credit limit of XXXX with TD bank. And then I get statements saying that my balance is XXXX because I never returned the treadmill and then they have the nerve to charge me a restocking fee in the access of XXXX and something dollars when It took them months at a time to pick up the return!!! I filed a dispute and still no resolution!!!! Fair warning do not do buisness with XXXX XXXX!! or TD bank for that matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19
Company: Receivables Performance Management, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a phone call from Receivable Performance Management stating XXXX XXXX had reported debt in my name to their agency in the amount of {$69.00}. Although I had canceled my XXXX XXXX account a year ago and physically went to their office paid my account to {$0.00} with confirmation. RPM collection agency advised me to pay it to avoid the account going to collection then reach out to XXXX XXXX to determine where this amount derived from and dispute it with them. XXXX XXXX has stated legally they can not tell me anything about the account since they passed it off, and RPM has stated the same. This is very poor practice and seems like a way for companies to rip off consumers and create fake write off 's to the IRS. Especially for folks who are concerned about credit, pay on time and they know we will make the payment even if it is not accurate to avoid a collection that could cost us more in the long run.

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 2019-05-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today, Friday XX/XX/19, I received a notice that my credit limit was reduced at citibank. This is the third time my limit has been lowered, and it seems that every time I make a substantial payment, Citibank engages in this " balance chasing '', which has a negative effect on my credit bureau report. 

I filed a CFPB complaint concerning my treatment the last time this happened, and I asked whether it was possible to reduce my interest rate or do anything else in lieu of the higher limit. They did not make any sort of concession other than pulling my credit again to try to see if it hit their criteria for restoring it, which it did not. 

Also in the context of that complaint : creditors are aware that the debt-to-income ratio on both individual lines and the overall profile are a very large share of FICO scores. Citibank showed utter disrespect for the authority of the CFPB by making an utterly farcical statement that they could not predict the outcome of lowering my limit to within a small amount of my current balance. 

I decided to close my account. As a final slap in the face, the rep told me that I would forfeit the small amount of cashback on the account, because I was closing it. The rep also told me today that I would not be eligible for any sort of hardship program if I closed the account. At this point, I'm treating this as damage control. They can't raise the interest rate again if I close 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 2019-06-19
Company: EQUIFAX, INC.
State: PA
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:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I have sent multiple letters and filed disputed online requesting proper documentation signed by me. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - They are required to " Promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor XXXX XXXX XXXX opened the account XXXX XXXX. Debt was last reported XX/XX/2017 and was paid. The account is showing closed in the amount of {$0.00}. I was told by company that account would be completely removed from credit report once paid. Having this account showing on all credit reports display negatively to future creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PREVIOUS COMPLAINTS FILED WITH CFPB : XXXX XXXX SPS had consecutively delayed the file for one reason after another. I ask a member of management review the notes to see exactly what I mean based on call records as there have been too many occurrences to count. If needed I can compile dates and instances of unnecessary delays but I have already had to waste too much of my time as is. 

I need a manager to call me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
State: NC
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 fictitious reports about my credit and when I disputed them they dropped my score even lower! 
The other two credit agencies show my credit in the seven hundreds while Equifax dropped me to XXXX. I was injured in XXXX and incurred medical bills causing me to lose my house, my job and my wife divorced me. Im getting my finances back on track, but Equifax keeps ignoring my complaints. What is going on with Equifax? They are ruining my credit and making it impossible for me to get back in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls multiple times per day. I told them to stop harassing me and I block their call but it comes from a different number the next day. They will not leave a message. When calling the number back they will not disclose any information about why they are calling until you give them your personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: Experian Information Solutions 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:
Experian is reporting inaccurate and re-aged account information on my credit file after I disputed it. They were advised that the company did not possess a license to do business in Virginia and that the account information is inaccurate. They claim they investigated and placed it back on my account. The company is NOT LICENSE ; therefore it CAN NOT be properly validated the account has been re-aged.

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 2018-11-02
Company: CITIBANK, N.A.
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:
Citibank sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at Citibanks executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.

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 2019-06-19
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX. ( " Servicer '' ) continually fails to respond to my email requests through their portal, and then claims no knowledge of said requests when I call to speak with a representative ( even though I have automated emails confirming receipt of my emails ). In the normal course, it is not a major issue, just an extreme annoyance. However, every year for the past three years, Servicer has failed to respond to my inquiries and document submissions regarding payment of my homeowner 's and flood insurance premiums. This has caused me to be late on my insurance payments and nearly caused my insurance to lapse one year. I am having the same issues again this year - when I call, they claim no knowledge of emailed submissions. There is a real risk that my insurance premiums are not paid from the escrow Servicer has been holding over the course of the year without an intervention.

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 2019-05-18
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card information was stolen on XX/XX/2019. The unauthorized amount of {$230.00} was charged to my MasterCard DoubleCash card on XX/XX/2019. 
Due to the racketeering acts of 'XXXX XXXX XXXX XXXX ' merchant, they refused to show me a proof of receipt with my signature. I did not sign my signature on a receipt for them to charge my card. I filed a complaint with the FTC ref # XXXX on XX/XX/2019. The merchant did not show up to a court hearing. 
I called Citibank and spoke to XXXX XXXX on XX/XX/XXXX and she told me that I was not liable for the {$230.00} charge. After all the information was sent by me, XXXX XXXX called me at XXXX XXXX on Friday, XX/XX/XXXX. She hung up on me after I requested a proof of receipt with my signature. Hanging up on a consumer is unacceptable! I need to receive a credit for the XXXX disputed amount.

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 2019-06-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2019 XXXX XXXX XXXX This is the letter orginally sent to inform Equifax that I recently received a copy of my credit report and their company publishes and after reviewing it I found an item on the report that is inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By  publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I did not receive a response from Equifax although I did get a letter from XXXX XXXX stating that they will remove this account from my credit report, since this account has been deleted by XXXX XXXX so show the collection account listed under XXXX XXXX XXXX they are both the same account. Equifax is damaging my credit profile with this information which should of been removed.

Company response to consumer: Closed with explanation