BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had XXXX XXXX XXXX cable for 6 months while I rented an apartment during this time period. When I moved, the movers put the boxes in the attic with the many other boxes. After locating the cable boxes in the attic, I mailed them back to XXXX XXXX XXXX. Last month, my wife went to the XXXX XXXX XXXX store to add another phone line and she was told that the account is showing that there is a balance of {$480.00} due to unreturned cable boxes. I contacted XXXX XXXX XXXX ( XXXX ) two weeks ago and the representative confirmed that they received the cable boxes. I called on XX/XX/2023, to see if this issue has been resolved and removed from my account. I found out that my account was sent to IC System Collection Agency. IC System ( XXXX ) advised me that XXXX XXXX XXXX 's policy is to still charge customers if the cable boxes are returned after 180 days - even though the cable boxes were returned and received by them. Attached is a copy of my proof of return. There was never any disclosure provided to me by XXXX XXXX XXXX of this policy either verbally or in writing. This is deceptive and abusive business practices. I am seeking assistance from the CFPB to have this collection removed from my XXXX XXXX XXXX account and from the IC System collection agency. They are trying to steal money from people.

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 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My car payment is {$480.00} payment was getting made fine until my state delayed my uc funds and work has decreased due to covid. I'm still willing to work the payment out but they will not give me a deferment or forbearance on a loan or lower payment option!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: LA
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 some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just noticed a XXXX dollar debt collection on my credit report because I received a notification from my credit monitoring service. They are claiming it is for internet equipment, but there's no such thing. Supposedly this was over 3 years ago and the property was sold then. I don't even live there anymore. The HOA is supposed to be in charge of the internet service from our HOA payment. I didn't receive not one letter from them until today XX/XX/2023.

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 2023-04-15
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: Their investigation did not fix an error on your report

Complaint:
This CRA is in violation of my consumer rights. 

U.S.C. 1681b ( 2 ) Permissible purpose of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I am the consumer to whom it relates, I did not give this CRA written permission to furnish any information on my report. I ask that you please delete the entirety of the following account.

Infractions as follows : XXXX XXXX XXXX XXXX XXXX  XXXX This CRA is also in violation of my consumer rights according to 15 USC1681 and the FCRA 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

My monthly payments to you are considered under an open end consumer credit plan.

You are the creditor. Please update this account to PAANL. ( Paid as Agreed Never Late ). 


Infractions are as follow : XXXX XXXX XXXX ACCT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Convergent Resources, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This was a lease I Had back in XXXX XXXX. It was a XXXX XXXX XXXX XXXX, which was repossessed and taken from me involuntarily. I was behind in payments but I was still making payments. I never gave them permission to take my car nor did I ask them to take it because I was having difficulty making the payments at the time. So, one day I'm at XXXX District Family court, XXXX XXXX for a hearing I was scheduled for. The car was suddenly gone from the parking spot I had left it at. I thought it was stolen so I called the police, they quickly told me it might've been repossessed if it wasn't stolen from the Courts parking lot. 

When I make tons of phone calls to see where it might've been. It was at a repo Lot in XXXX XXXX NY, which I wasn't even allowed to get my personal belongings. I tried getting my car back and they said I needed a {$27000.00} loan to get it back. so I had no choice but to leave it there because I couldn't get approved by any bank because of the recent repo. 

Four years later, today. I see this {$11000.00} Derogatory report on my credit history. stating I need to pay this amount from the repo 'd vehicle. I can't even get a car loan because this has been haunting me for years on my credit report. Ive been driving a XXXX XXXX XXXX with tons and tons of hazards issues. 

XXXX XXXX I the company that has this on my credit report. 
Convergent Outsourcing is the one that has me in collections

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 2023-09-05
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a debt collections notice from ic systems I called XXXX and I DONT OWE XXXX ANY balance AT ALL I called ic systems and they blew me off! I don't owe the bill they are sending me a collection for!!

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 2023-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2017-03-23
Company: STERLING JEWELERS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I received a call from a third party collection agency with no verification at all. The representative for the company proceeded releasing my personal information which is a violation of the FDCP with no verification. I then filed a law suit, and the collection account remains on my credit report as a charge off with no balance. The company made the mistake of not following the rules. I am filing this complaint because it was a mistake with the call and therefore the account should be completely removed from credit report. Why is this still on my credit report when It has been charged off for several months. I am requesting the removal of the Kay Jewlers account off of my credit report as I did my part to get the account closed by means necessary. I do n't believe I should be held accountable for violations committed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: DC
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I have giving you written unwritten verbal and non verbal per 15 U.S.C.6802

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
See attached!! I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

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 2018-01-25
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} XXXX. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question. 
I reached out to each credit agency Experian, XXXX XXXX, and XXXX and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.

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 2021-06-23
Company: CASHCALL, INC.
State: CA
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: AR
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: Public record information inaccurate

Complaint:
More than once I asked Experian to verify to me how they obtained the Bankruptcy information on my Credit Report when I asked them for their Method of Verification. Instead, Experian indicated to me that the Outcome Remains, by stating to me that the company that reported the information has certified to Experian that the information is accurate. Experian was able to tell me that the company certified the Bankruptcy as accurate on my Credit Report, but they also certified that they do not really know what company gave them the information by their Wording! Experian said that they MAY have obtained the Bankruptcy information through a third-party vendor, XXXX XXXX XXXX XXXX XXXX. 
How can this Bankruptcy information be certified as accurate when you do not know where you actually obtained it from? When you say MAY HAVE, that indicates uncertainty, also Experian said that the information came from the Courts, I asked the Courts in a letter if they give out Bankruptcy information to third-parties, such as Credit Bureaus, XXXX etc. and the U.S. Bankruptcy Court sent me a letter back stating that they DO NOT PROVIDE INFORMATION TO ANY CREDIT REPORTING ANGENCY. All documentation has been uploaded and attached to this complaint for proof and verifying. 
The FCRA under Federal and State Law states, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. Since Experian do not know where they obtained the Bankruptcy information and the Courts have confirmed that they do not provide Bankruptcy information to any third parties, such as Credit Reporting Agencies, this Bankruptcy is inaccurate and unverifiable and must be deleted!

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 2023-08-23
Company: EQUIFAX, INC.
State: DE
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 has not updated my credit report as they are still in violation. And they are making it difficult for me. According to this law, they are breaking every rule in the book 15 USC 1681 a ( 2 ) ( A ) ( ii ). They have no right to put me through this turmoil. So I as that you CFPB, make them follow the law as, they are breaking them right in front of you. It is illegal and the practices that they are doing to my consumer report is a violation of the law once again is 15 USC 1681 a ( 2 ) ( A ) ( ii ). Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or CONSUMER REPORT-MEANS ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. PERSON MEANS : the term person mean any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Therefore I am a person and a individual! And they have violated the law. THEY ARE NOT CREDIT WORITHNESS BECAUSE THEY ARE BREAKING THE LAW.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am a person/individual and they are still breaking the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2022-02-22
Company: Lending Club Corp
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good Morning, On XXXX  XX/XX/XXXX I received an email from my bank, LendingClub Bank XXXXXXXX : XXXX saying the following, " We noticed some recent activity on your account that warranted further review. In an effort to protect your funds, we have temporarily locked your account and online banking access while we conduct our review. '' It is now XXXX XX/XX/XXXX and my account is locked. I am away traveling with my family in XXXX and without any access to cash money. 

Repeatedly LendingClub Bank has asked for documents from me, which I have been happy to supply. Additionally, I call and live message them every day in an attempt to see what we can do. They give me XXXX list of documents and after I supply them, then they ask for more instead of unlocking my account. Furthermore, they have asked for the same exact documents multiple times. LendingClub keeps contacting me on a secondary email address that I do not have associated with the account and when I asked to switch to my primary email address, they say they will switch, but then they do not. I keep contacting Lendingclub only to become progressively more and more frustrated with their intransigence and general lack of care for their customers. 

I should mention that I am not sure why they locked my account exactly, but it may have something to do with transfering funds from another account ( XXXX ) to LendingClub, even though I have done it many times before without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is XXXX to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court

Company response to consumer: Closed with non-monetary relief