BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2020 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a debt with Portfolio Recovery Associates for two Debts that I had with them and one account still shows that I didn't pay it off. Secondly, part of the agreement was the specific individuals for all three credit bureaus were going to contact them to verify settlement and when they tried to call they said they don't talk to third parties even and that I need to contact them with a fax to authorize third party communication. With is not correct becuse I did as part of the agreement was tell them that I do authorize the bureaus to cotact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ENHANCED RECOVERY CO : XXXX XXXX XXXX {$530.00} XXXX tO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX XXXX XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2020-07-27
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:
FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} DEPT OF EDUCATION/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX, XXXX  XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX BY PHONE DBA CHECK INTO C XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
- this is my second complaint because the first was responded to but not resolved : -XXXX ) how can you hold a payment for XXXX days when it is made VIA the Capital One app from a Capital One 360 Bank account to a Capitol One Credit Card? 
XXXX ) XXXX days is exorbitant- especially for a payment from CAPITOL ONE TO CAPITOL ONE : a check clears IN 5-7 business days - how can you hold a direct transfer for XXXX? 
- I follow all the guideline for making payments : on time as ahead of time, from the same account, from the CAPITOL ONE TO CAPITOL ONE VIA CAPITOL ONE! 
Im not asking for more credit - Im asking to have the hold released on my payments and whatever flag is on my account to be taken off. 
- Tell me the actual reason or instance that my payments triggered a flag operation for a XXXX day hold on my account- not the general information. According to their own paperwork I follow their procedures exactly. 

That is an absolute non response : my issue is that I HAVE MADE ALL MY PAYMENTS ON TIME AND WELL AHEAD OF TIME VIA A CAPITAL ONE BANK ACCOUNT IN THE SAME MANNER AS I HAVE SINCE I HAVE ACQUIRED THIS CREDIT CARD FROM CAPITAL ONE : There is nothing in their agreement that would trigger a hold on my account. How is a XXXX day hold on applying the payments that have cleared through my CAPITAL ONE BANK ACCOUNT TO MY CAPITAL ONE CREDIT CARD that I paid via The CAPITOL ONE APP -a reasonable or rational action? I am not asking for a credit increase of these payments : I am asking for and expecting my payments to be applied in a timely manner. My issue is with the length of the hold and their total unresponsiveness to this issue, as well as the fact that since the hold is for so long it affects my credit score as it is seen as I am utilizing the entirety of that line of credit - even though it has been paid off. How is that a fair response to the consumer? This hold has also caused me undo stress and lost time due to the fact that I relied upon this card to pay monthly bills - of which now I have to check all my accounts and adjust accordingly because there is a hold on my account. I plan on reissuing this complaint. 
It does not address the complaint of applying my payments in a timely manner or the fact that the payment is from with in their own companies ecosystem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: AES/PHEAA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company as a furnisher and a repository has been given ample opportunity to correct all data on the credit report concerning student loans. They were given identity theft reports and there also has been affidavits filed with XXXX stating the same measure. What this may come down to is the securities fraud that they may be acting in as they have been warned several times that they have no consent to continue on the path they are own. I've asked them to produce the original contract and security agreement. They have yet to do that. I also sent them an invoice and Now I will start reaching out to the IRS and The S.E.C. for all of the Breach that has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI; RESURGENT/LVNV FUNDING ( ALL ACCOUNTS UNDER MY NAME AND SSN ) : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX U S Department of Education XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.15 U.S.C 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2018-09-09
Company: Colony Brands, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX AND ITS COLLECTOR KEEPS CALLING AND COLLECTING ON A FRAUDULENT DEBT.WITH MERCHANTS AND ARE FALSY REPORTING ON MY CREDIT REPORTS.0.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been using Citi online banking for my credit card since XX/XX/XXXX. Starting from XX/XX/XXXX I was not able to login to my online banking account any more. So I called Citi customer service on XX/XX/XXXX, hoping to figure out what's happen because I did not change my password. 
However the representatives were a nightmare. They kept transferring me to the next representative for 13 times without giving me any resolutions at all. Also my calls have been dropped 3 times. I've been on the phone for 2.5 hours and haven't gotten any useful information from Citi.

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 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I ve had an account with XXXX  XXXX open XXXX XXXX since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is XXXX anf balance is only XXXX dollars. Please have credit bureaus update records

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 2023-07-28
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2018-09-09
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:
There are 2 credit inquiries on my Equifax credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. I have never applied for a credit card with neither of these companies. I spoke with Equifax and with both credit card companies. The credit card companies told me that there is no information about an application in my name in their systems. I then reached out to Equifax to report fraudulent activity on my credit report and disputed both inquiries. I would like for these two inquiries be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a private student loan debt with company called Navient {$23000.00} ( currently in a default status ) .they refused to put me back on the rate reduction program which was affordable.right now they want me to put a down payment of $ XXXX.by the end of month.im not going to have that because I have other bills and I'm trying to avoid a lawsuit.the rep that I first spoke with in the navient recovery program wanted me to pay {$500.00} a month.with a down payment of $ XXXX.i told him I don't have. He went ahead and set up three monthly payments with my bank card..even though u told him that would be difficult to do.That.ive been in between different jobs during this caused me to miss payment s.this private student loan collect ion thing has been a nightmare for me.ive cried and begged Navient to put me back into rate reduction program where I was paying {$130.00} montly.im trying to avoid getting sued by Navient in the event they don't get that {$2000.00} dpymt.ive never in a million years wanted to go into a default status.i think they should acknowledge the fact that I was sending in money to them every month.towards this loan.im praying they don't see me and the national debt relief program could assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have sent letters repeatedly to XXXX, Experian and XXXX  requesting to remove inaccurate addresses from my credit report. 

XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong 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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I previously disputed the Ch XXXX Bk on the experian credit report. I inquired as to where the reported information came from and if they were able to verify how they received said information. The dispute was closed and is unable to be re opened and the information as to who reported this to them has not been provided.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; 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 2022-02-10
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 I received a email from XXXX XXXXXXXX saying I applied for a loan in which I have not please remove this inquiry off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: NJ
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:
I previously disputed the Ch XXXX Bk on the experian credit report. I inquired as to where the reported information came from and if they were able to verify how they received said information. The dispute was closed and is unable to be re opened and the information as to who reported this to them has not been provided.

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 2016-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not mine.

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 2023-10-09
Company: JPMORGAN CHASE & CO.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a XXXX transfer XXXX $ at XX/XX/XXXX and XX/XX/450 $ by debit card, they say I can make a chargeback before 60 days, but I request it, they denied

Company response to consumer: Closed with explanation