BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company reported on my credit without first sending me a notification in the mail or giving me a chance to validate or dispute. I didn't find out until it had already been on there for over 6 months. 

I send a dispute to all 3 credit bureaus, it came back verified. So I requested a Debt Validation from the collection agency. They were not able to properly validate that the balance was accurate, that the contract was accurate or that they owned the debt. But they still kept it on my credit. 

I've now disputed it with the credit bureaus 4+ times and disputed it directly with the collector 4+ times and nothing has been resolved. 

I do not owe any debt, this is for an apartment that I moved out of and I paid in full. Any additional charges are not charges that are legally able to be charged or that can be shown to be 100 % accurate. They are charging interest on a debt that isn't even owed, how is this legal or possible? 

I was denied for a home loan and for a rental property because of this inaccuracy. This is willful non-compliance.

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 2021-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that are not mine adn iwant them to be removed. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax Collection Account Numbers : XXXX {$100.00} XXXX - {$85.00} XXXX - {$57.00} XXXX - {$60.00} I have written Equifax asking for validation or deletion of these accounts and have received no response in over thirty days. 

The accounts named above are shown on my Equifax credit report as collections.

On my credit report the entries have ZERO contact information and don't even show who the creditor is I want them to tell me the name of the creditor responsible and provide validation of the debts, so that I may investigate. I believe they are from a collection agency that I disputed successfully in the past, and they have surreptitiously re-inserted the information, leaving out relevant identifiers. 

As I stated, I wrote them to dispute the information but as I stated I have gotten no response in OVER thirty days, which is a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: JH Portfolio Debt Equities, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company contacted me on XX/XX/XXXX with a VM telling me that I have been summons to court and legal action will be taken with a number and case number to call. I did not recognize any information that he was giving so I proceeded to call and got on the call with a representative that told me that I would be served at one of the addressed listed if I do not pay a certain amount I repeatedly inform the rep that I did not know of a XXXX XXXX, and or another name they called. The rep went on to say that they are XXXX company that is representing them I asked why I have not been served and how can I get a summons on acct information that I did not sign or authorize use. The rep kept insisting that I make monthly payments and or full settlement offers. I decided to move forward with my complaint because I felt that I was being threaten to make a payment ore I would have to go to court, I do have the conversation recorded on my phone and the voicemail that was left.

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 2021-12-08
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
I submitted a dispute to Goldman Sach's/Apple Card whom did not properly research and provide adequate information/details regarding their decision after the dispute. Furthermore, the company did not reach out for clarification or additional information to assist with their decision making. 

The following dispute is in regards to the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$830.00} ( XXXX ) The monitor was purchased on XX/XX/2021 and delivered by XXXX on XX/XX/2021 under tracking number XXXX. Despite best efforts to try to cancel the shipment prior to delivery, and leaving a note to refuse the package, the package was unfortunately still delivered without my consent. When reaching out for XXXX XXXX to return the package, due to the shipping mishandling, they refused to provide an XXXX and shipping label to send the device back. They claimed that regardless of the scenario, the 'buyer ' is responsible for return shipping costs. However, XXXX XXXX neglected to state that the buyer was ever responsible for return shipping costs, which would have amounted to over {$200.00} to their XXXX location. Their terms of service ( attached ) and website do not state that the buyer is responsible for return shipping costs, even when the company itself is at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently obtained a copy of my credit report and noticed Southern Financial Systems Inc furnished information on my credit report. The item states that they opened the account in XX/XX/2018. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. Southern Financial systems began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that Southern Financial Systems has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that Southern Financial Systems knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.

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 2021-12-08
Company: EQUIFAX, INC.
State: TX
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:
You didn't really have my issue as one of your options. I have basic and general complaint against XXXX. These credit agencies are terrible companies. They don't do anything to help consumers. They have only screwed me. They don't raise my credit score even if I have 0 collections reported, 100 % payment history. They don't share how they calculate my score yet they use it to allow banks and credit cards to XXXX me on interest rate. My score doesn't go higher with positive actions but if I use a credit card my score goes down substantially. It is a disgrace that banks use this unequal measure to legally discriminate against non rich people. They should be illegal. They really are only in collusion with banks and lenders and the XXXX of consumers. How can the consumer protection bureau allow these companies to XXXX over hard working americans by allowing banks to use a score that is so partial and non objective it is scary. Then they charge me to have access to my own information! How in the heck can that be right? I can get one free report a year? Why not any time I want. It's such a shame they make millions probably billions from my information then charge me for it. How about use some of that money they make and help people get out of debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
American Express stopped reporting my Credit Card that I have had with them since XX/XX/XXXXto the Credit Bureaus in XXXX or so of XXXX. They claimed that it was because I reported this account I have had since XXXX as fraudulent to them. I never made any such claim and clarified the misunderstanding to them. I spoke on numerous instances with their credit reporting division at XXXX and in specific on 4 instances so far have been promised by the manager in their group ( XXXX XXXX ) that this missing account information will be reported to the Credit Reporting agencies starting the month in XXXX, then XXXX, then XXXX etc. However, this credit history has not been reported still to all the bureaus, and the absence of this long standing credit card history account led to a substantial drop in my credit scores ( over 100 points ) - which in-turn has led to tightening of my credit lines by other card companies, and this process has continued to dramatic drop in my credit scores. I have suffered significant financial losses as a result of this uncorrected error by American Express Credit. Furthermore, in retaliation for my repeated complaints to them about the missing information, this week they even closed my Platinum and Personal American Express card within their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 10 % Balance {$50.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$500.00} 0 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} {$500.00} 10 % Revolving Negative XX/XX/XXXX These two accounts are the same and are being reported inaccurately in the fact they are the same company and are trying to appear as the same debt is 3 deliquent accounts instead of just the one original one. In addition to this, the terms and amounts of debts are all incorrect and being reported inaccurate. I asked for this account to be validated in writing from the original creditor once I saw it being reported on my XXXX Credit Report. I was not even sure I owned this debt to begin with. The company told me they would not mail me a validation, but would mail me the current bill not including the intrest as that could not be calculated until the final bill was paid. I was unsure how this made no sense but still said I needed a validation letter as well. Regardless, I received neither. In addition I was never notified in writing that the debt had been sold to a new collection company so that they could at least provide me with the deatils of this account that I still am not sure it is mine. I know XXXX XXXX has been involved in law suits with consumers recently and came to court unprepared to show proof of ownership and have had many complaints filed against them regarding their unscrupulos and fradulent debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One started by charging a late fee when in fact the account was paid on time. I called the XXXX number and the rep refused to remove the late fee, at that time I requested the account be closed. The rep on phone stated that the account was closed but when I pulled my credit report it showed as open also Capital one charged late fees and interest on those fees, in addition they reported the account as not paid ( 120 days late ) to all three credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.

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 2021-12-08
Company: TRUIST FINANCIAL CORPORATION
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 am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with XXXX via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are Suntrust Bank and XXXX XXXX, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called XXXX to tell them what the two banks said. The XXXX representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to XXXX. My concerns are that this process is inconvenient and causing me stress and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.

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 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I 'm not claiming that I was n't late on this account. I 'm asking for a courtesy removal because I was under the impression that this was set up to be auto paid and clearly it must not have been. That being said, I 've made all of my other payments on time since opening the account and continue to do so.. This would be a one time courtesy removal I am requesting, and will not be request again.. I would be happy to show you a copy of my credit report if you would like to show my timeliness on all of my liabilities. I take my credit very seriously being in the XXXX XXXX industry.. It is extremely important being a lender to have a good credit history. I 'm a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and this could potentially affect my licensing. Thank you for you assistance in this matter. My cell phone if you want to reach out to me is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up a PNC Virtual Wallet online on XX/XX/2017. There were requirements ( to  receive a {$300.00} bonus ) of 1 ) $ XXXX or more in direct deposits within 60 days of opening and 2 ) 10+ debit card transactions within 60 days of opening. I met both of these requirements ( I had 3 {$2100.00} or so deposits from XXXX XXXX and did 12 debit card transactions ). It has been almost 3 months since I met these requirements and yet PNC has not credited me with the {$300.00} bonus for meeting these requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: ERC
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:
Enhanced recovery company is reporting A collection on my credit report that is passed the statue of limitations in my state. I would like this collection to be deleted from my credit report from all three credit bureaus XXXX XXXX XXXX  has charged off the debt upon further research this account was transferred and I am no longer responsible for any debt to jpmcb card services. I would like XXXX XXXX XXXX To stop reporting this debt to the three credit Bureaus I would like for this charge off to be removed from my credit report of all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Experian Information Solutions Inc.
State: MD
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:
I PAID OFF AN AUTO LOAN WITH XXXX XXXX AND ALSO PAID OFF ANOTHER ACCOUNT XXXX AND MY SCORES DECREASED, NOT SURE WHY..DEBT TO INCOME RATION IS HIGH AND I THOUGHT PAYING OFF LOANS HELPS THE SCORES.

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 2018-10-30
Company: SECURITY CREDIT SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Security Credit Systems , INC. ( SCS ) regarding an alleged debt from my university. I had received a letter from them about a year ago indicating that they were servicing this debt. I contacted them in order to gain more information into thi alleged debt. The CSR was very rude, very aggressive, and very impatient. I was attempting to gather the basic information surrounding this debt, however, he was very aggressive and uncooperative in getting me this information. He and I had unpleasant words and he ended the call. I attempted to call back numerous times in hopes of getting someone different or someone I could more easily connect with, but the operator advised that they were blocking my calls. Even when I called from a different number hoping to get someone with a cooler head, I was still blocked. I did not receive any communication from SCS for over a year or so. I then got a letter from them with the body in all capital letters suggesting that if I did not pay them, I would face repercussions such as being ineligible for a credit card, car loan, mortgage, or personal loan. They also advised that a " good credit rating is essential '' in order to acquire these types of trade lines. I have attached the written correspondence letter I received below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been advice that someone under my same name has an address that I never use and emails : All this information is not mine : XXXX XXXX  XXXX XXXX XXXX, Texas 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