BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Sequium Asset Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and paid a settlement, they are now saying I did not pay and on my credit report it is a hard inquiry plus I keep getting missed payments from it on my report as well, I paid XXXX and have a receipt saying paid settlement in full. Date was XX/XX/20

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: FACTUAL DATA CORP.
State: TX
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:
On XX/XX/2019 Factual Data made an inquiry on my XXXX   credit report. Because I never authorized Factual Data to pull my credit report, I contacted Factual Data demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Factual Data never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see the attached transaction history. The transactions highlighted in red were not made by me. My Discover credit card was lost, and I didn't make any of those purchases nor did I go to those stores. All of my purchases were made online, so I didn't need a physical card with me, and I didn't realize that my card was missing. I reported those transactions to Discover as soon as I found out on XX/XX/XXXX. They sent me a new card a week later. Two months went by, I called Discover on XX/XX/XXXX to check on the status, and they told me that the fraud investigation had been closed, and they did not have a reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Yes my name is XXXX XXXX and I feel as if people has been getting loans in my name the people are XXXX XXXX and XXXX XXXX and 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 2021-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a capital one savor credit card starting XXXX of XXXX, I Never missed a payment. My Credit score is good, I had been accepted credit limit increases instantly on 2 other credit cards. I have tried to get a credit increase with capital one in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. I have called capital one and spoke to them countless times, the reason I don't get accepted for a credit limit increase from capital one is " Capital one is evaluating account activity at assigned credit limits. '' Nobody on the phone at capital one could explain what that reason meant. My limit is currently {$4000.00}. My other cards are {$10000.00}. Im writing this complaint because capital one is not abiding by the law, if they deny me a credit increase. I need a valid reason and not a statement that is not understood by their staff, I hope this will help get the increase I deserve. I have had patience with this company, I enjoy capital one and their easy to use app. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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 very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXXs reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On Experian and XXXX  it has an open date of XX/XX/2019 and on XXXX  its XX/XX/2019. It also shows a credit limit of XXXX on XXXX  and Experian but XXXX  credit limit on XXXX. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.

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 2021-04-30
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: Was not notified of investigation status or results

Complaint:
I sent two letters so far regarding accounts that were misleading and false reported on my credit report, which is a violation of FDCPA section 807. I still have not received any response from the bureau regarding this account. I also sent letters regarding unauthorized and old ( more than 2 years ) inquiries on my credit report. This is affecting my ability to obtain credit and move into a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, and U S Department of Edu XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, Dept of Ed/XXXX, and XXXX XXXX XXXX XXXX reported to the Equifax that I applied for. They have violated my rights to have fair and accurate information on my credit report.

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC  SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXXXXXX  XXXX PORTFOLIO RECOV ASSOC XXXX XXXX  XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 

. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX   XXXX PORTFOLIO RECOV ASSOC XXXX XXXX   XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Every day since XX/XX/XXXX, I have been getting calls from debt collectors. I do not have any debt that isn't actively being paid - the only thing I owe on is my car, and I have been making regular payments. I have student debt, but am not required to make payments on it until XXXX of this year. 

Phone numbers I have been called from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more recently XXXX XXXX XXXX XXXX XXXX XXXX I was given an email on the XXXX as well, stating that they had called me repeatedly to settle this unknown debt and would be forced to take legal action if I did not pay. They claimed I had committed check fraud and " theft by deception '', which is untrue. To up the stakes and make me feel even more threatened, they listed my bank account routing number, my social security number, and all manners of other incredibly personal information in this email. Again, that was the FIRST day I had ever heard from them. Since then, I have been getting three to five calls every single day. I changed my number when I was added onto my husband 's XXXX account, and they started harassing me there, too. This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported this fraudulent account in XX/XX/2017. I filed a police report and filed out an identity theft affidavit to properly document the activity and report the account. I contacted Wells Fargo multiple times with an affidavit explaining the situation which has been ignored. The responses I have received has stated that they will do nothing and continue reporting this information because they can. The account obviously exist because they sent me an account activity statement, but what they failed to provide is my connection or permission of this accounts existence. My request under section 605B of the FCRA has been ignored and violated by this creditor. The amount showing to be owed is {$2300.00}.

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 non-monetary relief
Consumer complaint received 2019-10-30
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:
I've Been a victim of Identity theft. I did not Authorize anyone to open any Accounts Using my Information.. These accounts is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: SC
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:
Citibank services my Best Buy Credit Card on XX/XX/2020 I paid my account in full in the amount of {$7200.00} on XX/XX/2020 I checked the account online to see that the payment had been credited to the account and a new charge of roughly {$680.00} had come through and the account showed the credit for {$7200.00} and a new balance of {$680.00} I authorized Citibank to withdraw {$680.00} to again bring my balance to {$0.00} - Citibank went ahead and withdrew and additional payment of {$7200.00}. When I called Citibank they acknowledged the mistake and now show I have a credit of {$6500.00} on my account I explained to Citibank that I don't want a credit on my account I want the {$65.00} # ^ put back in my account immediately. They informed me they can't do that immediately that it would take over 5 days to return my money to my bank account! This is unacceptable frankly criminal behavior on the part of Citibank they took my money in less than 12 hours but can only return my money in an unspecified number of days that exceeds 5 days.

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 monetary relief
Consumer complaint received 2018-02-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In or around XX/XX/2016 i opened a credit card with XXXX XXXX i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail XXXX   claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with XXXX XXXX and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by XXXX XXXX  and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus equifax XXXX XXXX you name it i hired XXXX XXXX i called XXXX XXXX a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides XXXX XXXX the worse bank by far anyone who just neglectfully not make payments should be punished in this way

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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:
XXXX  experian XXXX  have all my information wrong attached a copy of the wrong information please remove 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 2021-02-21
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A man named " XXXX '', a Specialist at Comenity Bank per his voicemail dated XX/XX/2021 left a message in a demeaning and harsh tone for me to personally have another party call his office back promptly concerning XXXX XXXX and that he expected a call back noting before XXXX eastern standard time. This party was fully aware I do not have an account with Comenity since he explicitly stated my full name and the party 's full name to whom he was attempting to reach. This is a clear violation of the FDCP section 1692b. He was aware that he was leaving a personal voicemail on a third party 's phone which is a form of disclosure. I am not the account holder nor an attorney for the party he was demanding " I '' have to call his office back. Per his voicemail he said for me to have the third party return his call at XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Visa credit card : XXXX, and my XXXX Visa credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Visa credit card or my XXXX  Visa credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: Bread Financial Holdings, Inc.
State: NY
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:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX  # 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