BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have requested I vestigation 3 times already ; see below my most recent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We need all accounts Verified that are listed on your companies reporting! 
Fair Crediting Reporting Act 609 ( a ) ( 1 ) ( A ) as you are required by law to verify. Through physical verification of the ORIGINAL signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXU.S. Bankruptcy Court XXXX XXXX Otherwise anyone could send in a fraudulent claim or report especially if paying for your services. 
Your negative reports without verifying has hurt me and my ability to obtain credit. 
FCRA states unverified accounts must be removed. 
I have asked three ( 3 ) times, now I demand verification in the next 72hrs or I shall report your company. Date XX/XX/2023 ; you have til XXXX XX/XX/2023. Without recourse. By : XXXX XXXX, beneficiary and by : XXXX XXXX, beneficiary

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 2019-12-12
Company: AES/PHEAA
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 have requested from Fedloan Servicing the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different Fed Loan student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120 day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on fed Loan servicing side and I need help to exercise my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX over {$6000.00} was reported incorrectly by a timeshare company XXXX in XXXX. Barclays refused to issue the proper credit and it is still on the credit report after 7 years have passed. Now the incorrect dates are reported and this later date of XXXX is causing it to remain on the credit report. It should be deleted and should have already been credited anyway. Please help get this inaccurate information deleted from my credit reports. Thx in advance.

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 2019-12-14
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
Hello, I have noticed my XXXX  score is 50-60 points lower than my other bureaus. I then noticed that Navy Federal Credit Union ( NFCU ) is reporting that my first date of major delinquency is reporting asXX/XX/ and is still reporting as open. The account seems to be updating monthly as a new delinquency sincXX/XX/. This accounts actual first date of delinquency was XX/XX/XXXX and charged off. I disputed this information with XXXX ( see attached dispute ) and received the results as accurate onXX/XX/. I called NFCU on XX/XX/and spoke to a lady in the dispute department. I very clearly explained my situation and was told it was an error through XXXX and not NFCU. I then called XXXX and was told the opposite and that NFCU verified the dates. I feel NFCU is using a new date of delinquency to negatively impact my credit score. The lower score has impacted me financially as I can not obtain reasonable rates or loans. I would like the negative information deleted immediately. 

Attached are three disputes through XXXX  that were returned as verified. There is also an image where NFCU is reporting the first date of major delinquency as XX/XX/XXXX and as open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2021-03-19
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: ID Analytics, Inc.
State: CA
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:
Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by SageStream ( now XXXX? ) Made request for credit report to determine problem. Letter from XXXX indicated " unable to process request ''. Made numerous phone calls... no response ; not XXXX. 
Letter from XXXX " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against SageStream. What's it take to get action on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I XXXX XXXX XXXX want to file a complaint against Experian. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this Experian they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate. XXXX XXXX XXXX Credit Card Child Support Enforcement XXXX XXXX XXXX Credit CardXX/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 non-monetary relief
Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 rewards from credit card

Complaint:
I continue to be dissatisfied with Capital One response to my complaint. 

I have enclosed Capital Ones Cashback promotion ad. Stating excellent credit is needed mine is exceptional. 800 plus see enclosure. 

I enclosed the Capital One letter stating my GM card is invalid. So I just have one card the cashback card. I asked for a customer list showing multiple accounts including the XXXX card and it was ignored. See Capital One/GMcard letter. 

I'm elderly and applied for the {$200.00} cashback to assist with my budget. Have some compassion. 

I would like Capital One to send me and CFPB their Code of Ethics policy on how to provide customer satisfaction and treat customers fairly. 

This is part of CFPB Case : XXXX CFPB please help. I started a complaint directly with Capital One on XX/XX/2021 with no correct solution. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions 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:
there are incorrect address and incorrect names in the 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 2022-12-12
Company: EQUIFAX, INC.
State: OH
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 Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CL Holdings LLC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and noticed this company named LVNV FUNDING LLC. on my report. I would like for them to remove the 2 negative items they are reporting as negative because I have never done business with them at all. I have never provided them with my personal information. I have never applied for any type of credit with this company or signed any documents. Please remove the negative items its illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-25
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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$4600.00}, XXXX XXXX Balance : {$52000.00} & XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-12-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Over a year ago, I've upgraded my PayPal account from personal to business. I had to varify my account. I was able to do this due to technical issues. I called Paypal multiple times about this. Eventually, Paypal terminated my account as a result and they refuse to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I login to my Equifax account online and its have somebody else social security number and I call Equifax to fixed the problem but didnt help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Information on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Tally Technologies
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 it has a Tally Technology credit card amount of {$3400.00} on my credit report. I dont have a Tally account nor did i receive any money from Tally. 
I was told the account is XXXX. I dont have a Tally account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : OFFICE OF THE ATTY GEN # XXXX Account name : SXXXX XXXX # XXXX Account name : 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX who claims to be CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX Toll-Free : XXXX Local : XXXX Letters : XXXX Telemarketing : XXXX Client Services : XXXX Fax : XXXX Email : XXXXXXXXXXXX claims he received this debt listed on XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Financial Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned Last Payment Date : N/A Status Date : XX/XX/XXXX Status : Z - In Bankruptcy Comments : Bankruptcy chapter XXXX, Bankruptcy discharged Experian : Changing the same exact account from closed to open. 
XXXX XXXX XXXX, Collector : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Balance Date : XXXX XXXX Balance Amount : Date of Status : XXXX XXXX Status : Closed Open As it appears on Experian : XXXX Account Type Collection Terms- Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details In Bankruptcy Status Updated XXXX/XXXX/XXXX Balance-Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Monthly Payment Balloon Payment Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Ownership-Individual Account Original Creditor XXXX XXXX XXXX Company Sold-to Original Amount Comments BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX Claims when he buys these accounts, he has no responsibility to verify if the debt is valid, he throws it on credit reports hoping to collect, I asked him, even if you already owned the account in XXXX? Already flagged it for Bankruptcy? Nope he bought it from : XXXX, XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX, complain to them! I decided to complain to you since this is preventing me from obtaining a Federal Student Loan consolidation. Because it appears to be a new open collection. I feel the creditor has to have some sort of responsibility to verify the validity of the debt and should not be able to list items that are closed as open again every few years, hoping to collect on accounts that are discharged in bankruptcy. Mind you this was never my debt, my ex husband took out the loan, I only added it to my bankruptcy to avoid them coming after me, once I was divorced.

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