BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: CITIBANK, N.A.
State: OR
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:
Ive received 2 unauthorized credit card in the mail and one letter from Best Buy saying that I applied for their card and I did no such thing! I am extremely stressed and am really trying to build my personal credit and have not made most of these inquires!

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 2019-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2019 I tried to get my credit report and score and all efforts prove futile, so XX/XX/2019I called Experian, XXXX and XXXX and was told that they are unable to process my request because there are some discrepancy with my social security number. Once I heard that I immediately contact XXXX and told them what I was informed of and they told me that they dont know why I would be told that by the bureaus because I am verified via their system. 
I am who I say I am and I dont know why it is that i am being told I have discrepancies on my social security number when I just got my number this pass XX/XX/XXXX. Please help me fix this problem.

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 2019-06-06
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received no notification of debt just showed up on my credit report my bill for XXXX XXXX was {$0.00} when I moved out XX/XX/2017 this is not my 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 2019-06-06
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:
Equifax ; XXXX and XXXX are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a student in XXXX, 2015 and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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 items I'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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am a documented victim of identity theft with police reports, FTC report, and other legal documents. XXXX XXXX XXXX is illegally trying to collect on 2 fraudulent accounts opened in my name, by the original creditor Capital One, which violates the FCRA. The first account has a balance of {$1800.00} ( account ending in XXXX ) and the second has a balance of {$680.00} ( account ending in XXXX ). I have contacted both XXXX XXXX XXXX and the original creditor Capital One by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. These fraudulent identity theft accounts need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
I am a natural person, I am a human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be deleted. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts and inquires. 



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 2017-12-20
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have three accounts in my name with XXXX XXXX. One was paid off they agreed for it to be removed from my credit but they only did it with one credit bureau at the begging of the year. After disputing this account a few weeks ago they refused to remove it with at least one credit bureau the other one Im waiting on a response. The other account of approximately {$88.00} they claim they have send me a notice but I never saw it. I asked for them to resend it but they will not send it. I asked for contact information for the original creditor they wont give it to me. I have called the hospital and Their billing office does not have any records of that bill. As for the other account of approximately {$45.00} I have no dependents or kids and I never agreed to pay for any medical bills at the hospital. But they still harass me for it. I feel like because I have been constantly calling to get these things resolved they have blacklisted me that is why they are making sure that the medical bill that was paid off stays on my credit. They make me feel bad for not being in a position to pay for it. And they refuse to have me talk to someone above them. They actually hang up on me just because I wont accept the fact that they will not provide me the information I need. I have emailed them but have not gotten a response. They tell me we did not get return mail on the new {$88.00} bill so that means you received it. I feel like at this point they are just acting on their emotions and trying to ruin my credit just because they do not like me calling them and asking questions. They promised me on phone calls that the paid off bill will be deleted but they only did it through XXXX. And now I feel that because i keep calling and asking they are just not going to do it. I feel that they are being spiteful and just because they know they can ruin my credit they will do whatever it takes. At this point I know they are just waiting for the 120 days to be up so they can put it on my credit as a charge off. And the longer I wait for them to talk to me the more Im running out of time. I can not wait anymore for a response I would like to get things resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Commenity Bank Called my parents and informed them that they were looking for me for a debt for a vicotria secret credit card. I had already contacted them and they were telling this information to a relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: NY
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 have filed a dispute in regards to incorrect information on my credit report from Experian regarding an account with XXXX XXXX XXXX  that is not my account. Its on my Experian credit report ONLY. It was removed from XXXX  and XXXX  Credit Report. It has been over 60 days and I haven't received any investigation results.

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I refinanced my only loan with XXXX XXXX last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXX IL office and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX  and Transunion all three to update and close this old loan and add the new loan. They can contact XXXX XXXX to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and XXXX to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!

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 2017-12-20
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have received, today ( XXXX XXXX 2017 ), 15 calls from XXXX since XXXX this morning to my personal mobile number. ( Just from this number.. other numbers have also tried to contact me. ) That was today. This same number has contacted me countless times within the last few weeks, which I 've tracked, since I missed a payment last month ( XXXX ). I refuse to answer the phone, due to the fact I have other outstanding defaulted loans with other lenders and am never sure if I answer the phone to an unknown number if I reengage my statute of limitations for harassment calls. I knew this particular harassment was due to missing a payment, and had planned to rectify the issue with my XXXX payment. The fact these calls continue to increase, to this extreme is harassment. It is disruptive. These calls continue to reach me during the workday. This evening, at a holiday office gathering, my phone was not on silent, and not near my person. The phone went off NINE times in 50 minutes. Colleagues thought there was an emergency. This is not an emergency. 

When I answered the phone, finally, at XXXX, I immediately charged the caller with harassment. The caller/collection agent, simply hung up on me. She was unkind, and dismissive to my claims she was harassing me. 

I understand I am behind. But I did not realize I needed to be harassed this way just to pay a {$60.00} past-due balance less than 30-days past-due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX XXXX : - ; US DEPT . OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ERC
State: MI
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 referred a debt of {$61.00} to a collection agency without notifying me that the debt was ever owed. I logged into my XXXX account via their website and at no time or do this day does it suggest I owed any money. It displayed a XXXX dollar balance. They referred this to a collection agency which never contact me about it either. Collection agency : XXXX XXXX XXXX -XXXX FL XXXX reported this as a collection account for 6 months ( starting XXXX ) to all the credit bureaus without contacting me regarding this apparent debt that I was not aware existed. Negative financial and career impacts from having negative informaiton on an otherwise clean credit history is significant. This item needs to be deleted from all three credit reports as many laws were broken regarding notification of debt and also notification of collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Upon review of my credit report I noticed XXXX XXXX XXXX XXXX reporting an alleged debt. I searched the Texas Secretary of State 's website to verify they are bonded and legally able to collect a debt in Texas, for which they are not. I conducted my search by name and address ; the address search yielded the registered and bonded company name of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX was not listed as a registered dba as required by the secretary of state.  I sent a letter to XXXX  requesting they remove their reporting and cease their attempts of collecting this alleged debt, for they are operating against the Texas Finance Code for not meeting the bond requirements, and for misrepresenting their company and trying to collect monies under another name other then the true business name. XXXX did not honor my request, yet responded by sending a statement.

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 2023-06-05
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
They are saying they did a investigation who did they talk to. 15 usc 6802 states that non public information must be disclose in writing or electronic form. Which has not been disclose or a correct investigation to see if the information is reporting correctly. please go to the court house to get the correct information. Please in your investigation process send me a copy of the bankruptcy discharge paper. something stating who they talked to during the investigation process. If not the investigation is not done correctly by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021 I was on a XXXX XXXX flight when I was given a promotion for a XXXX XXXX XXXX credit card issued by Barklay Bank.

I called Barklay Bank today, XX/XX/2021 to access this promotion. I was told I could not access that offer via telephone and that they were not offering the promotion online either. I received the brochure and there was no written application attached. I asked to speak to a Supervisor and was told no one was available. I believe this to be deceptive advertising. The agent at Barkclay Bank offered me a different promo with different benefits that were different from those listed on the brochure. 

I am attaching a copy of the brochure I received. 

XXXX XXXX XXXX XXXX. 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