BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: AmeriCash Holding LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We sent you our method of payment for a permanent discharge concerning this matter. This is simply a preliminary audit to guarantee proper accounting is being conducted with said account. 

Proof : Registered Mail Via USPS : Registered Bond Number : XXXX ( use this number to XXXX ) Routing Number : XXXX The dates, amounts and actions are all specified in our method of payment. 

Thanks for your patience and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The application does not have my signature and there this should not be reflecting on my credit.

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 2020-05-11
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The usaXXXX CREDIT SITE HAS COLLECTIONS THAT ARE NOT MINE, refused to submit complaint.I asked all three credit bureas. 
I ASKED XXXX TO REMOVE IT, THEY HAVE TECH ISSUES ALL THE TIME.DEBT IN OTHER STATES LIKE  GEOGIA HAS NEVER BEEN MINE.collections, bankruptcys, and morgages.stop putting other DOB on my credit.stop.using other social securities, even one didget off. 
DISPUTE XXXX AND ANY OTHER DEBT WITH CONTRACT CALLERS INC. THE CLAIM TO BE AN ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. THIS OTHER PERSON USES INFORMATION THAT CAUSES THESE THINGS TO BE PUT ON.MY CREDIT, BUT XXXX ALLOWED THESE PEOPLE TO USE MY CREDIT, ALSO THEY ARE TAKING using my social with and different spelling. i dont spell my name XXXX XXXX, i am not XXXX, XXXX or XXXX. I dont live in GA, virgina, alabama, TENN, NEVADA, OHIO also i NEVER owed any lawyers for any debt or bills or bankruptcies. i have none. 
On XXXX, i received a court judicial findings of factual innocence as a victim of criminal identity theft. I am the victim, however the criminal suspect AKA is XXXX XXXX XXXX XXXX, this middle name was the evidence, but they might be using my current name, because the court in XXXX, calif put my info into her case i filed against her and her husband, for using infor not hers, to make others think i was the teacher, but its been her since XXXX, XXXX, ect..arrested for other traffic crimes. they give officers other persons info to evade the law. This court is grossely neglient for not solving this crime knowing now its her and her husband XXXX XXXX, XXXX   XXXX. This is not my husband, i have not been married since XXXXThey became aware this year of the court crimes by these two.. The judge stated i was the victim, but intered my name XXXX XXXX XXXX XXXX , and my DOB so now shes aware. The DA covered up this, so they wont get in trouble for HARASSINGME THE VICTIM, BEFORE I STOOD UP WITH A LAWSUIT AGAIST THE COURT FOR NEGLIENT BEHAVIOR. She is at large, still not arrested for using my information. I am trying to sue, but they never show up. I AM CHANGING MINE AGAIN, AND HOPE MY CREDIT REPORTS WILL REPORT CORRECTLY SOON.BECAUSE OF MY WAGE LOSS.I SHOULD BE MAKING A LOT MORE.BUT THE CREDIT agencies are reporting wrong. These banks are confused, i can not even open an account because the assume its me. WE DONT HAVE THE SAME DATE OF BIRTH SUSPECTS DOBXXXXXXXX.These others have been used at this XXXX, CA court XXXX XXXX XXXX, XXXX.NOT MINE ONLY THE XXXX WAS SIMILAR, BUT NOT THE SAME.STOP THESE TWO. HOPE THE BIRTHDATES HELP YOU. BECAUSE THEY STEAL OTHER DOCS. 
THANKS, MS.XXXX XXXX. WILL BE CHANGING INFO BECAUSE I AM A VICTIM OF INCORRECT ONLINE INFO. As a XXXX, i do not deserve identity theft.

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 2020-06-30
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX, I filed bankruptcy due to job lay off and insufficient funds to cover household expenses as well as personal expenses. I luckily got my job back a year later working for the State of Connecticut, therefore qualifying for student loan forgiveness after 10 years. I have been in loan repayment for two years now and was told all of my loans were accepted. I have been faithfully paying {$220.00} per month ( they calculated that based on my income ) and out of nowhere just yesterday my father ( who was the co-signed on a private student loan in XXXX ) got a letter from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding that he pay {$5000.00} for a private student loan. 1. I never received any phone calls, letters, or emails prior to this informing me of any leftover, unpaid student loans from Navient and all of a sudden a law firm is trying to get money from my father who is the CO SIGNED not the loan owner. How is this legal? I was never confronted by Navient, never even given the chance to arrange any type of repayment with them. I don't understand how this could be legal. Aside from the fact that I filed bankruptcy 2 years ago. I understand federal student loans are not discharged but what about private loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
State: NC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I applied for and was approved for a XXXX credit card from Capital One Bank NA with a limit of {$10000.00}. I already had a preexisting account with Capital One. In XXXX of 2021, I received not one but two XXXX credit cards in the mail. The cards had different card numbers. I was only able to activate one of the two cards, which had a limit of only {$1000.00} compared to the {$10000.00} for which I was approved. 

When I called Capital One, the card services department verified that both cards that I received were valid, that one had a limit of {$1000.00} and the other had a limit of {$10000.00}, but that these two cards were not associated with the same account. Then, without my consent, they deactivated the card with the {$10000.00} limit. I asked to have the credit limit on the card associated with my account increased, but my application was rejected. 

My credit score has been impacted by the appearance of two hard queries when there should have only been one. It was further damaged by the appearance of two new lines. Finally, Capital One damaged my credit score by reducing the amount of available credit by {$10000.00} when I did not request the line to be closed. My own credit was damaged due to poor customer service and operational controls at Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: Sentry Recovery and Collections, Inc.
State: NV
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:
There was an account listed as a collection on my credit report. I contacted the original creditor, XXXX XXXX XXXX XXXX, as I could not reach the collections agency. The collections agency called me several times a day but each time I tried to answer, the call would disconnect. Also when I tried calling them, the number would disconnect. They removed the account from my credit report at their own accord around XX/XX/2018. Now, they have replaced it on my credit like it is a brand new account, which is a violation of my rights. They should not be allowed to re-enter the account as a new account making it appear that this account just opened, which dropped my credit score over 90 points. The company is Sentry Recovery at XXXX. This should be removed from my credit report. They also have not sent a letter to me asking for any money or payments on this account since they removed the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a regular payer of mortgage from mortgage inception to-date. However Seterus Inc ; are wrongfully flauting FCC rules and have wrongly reported over phone to credit monitoring bureaus saying that I am a defaulter.

I have provided proof of my payments, however XXXX  ( credit reporting agency ) says the lender is authorized to say verbally without providing any proof of default or delay about anyone 's payment history to spoil his/her credit.

I wrote many times to mortgage service provider - Seterus Inc ; to provide proof of default and/or delay in my payments. Every time Seterus Inc ; respond to my inquiry about proof of default and/or delay by providing their manipulated accounting records and not any documentary proof of my delay and/or default.

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 2019-05-23
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a loan with Net Credit on XX/XX/XXXX in amount of {$2000.00}, the went to collections NC Financial and Net Credit i settle 35 % off the full balance on XX/XX/XXXX with my account balance XXXX and the account has been discharge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: CA
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. 

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. 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 2018-07-01
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: Their investigation did not fix an error on your report

Complaint:
Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: TN
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:
Since XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX investigation has only been updated but no documentation or proof of Method of verification has not been verified. XXXX XXXX XXXX has been re-aged and this is a direct violation of the FCRA and the bureaus are not removing this inaccurate erroneous accounts from the credit profile. I would like these accounts to be removed immediately. Attached are the disputes that were sent to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
This company keep reporting inaccurate information and refuse to investigate. 
i have not received respond, they are ignoring my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Capital Link Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a debt collection agency : Capital Link Management re an account with XXXX in the amount of {$2800.00} ref # XXXX. The original creditor was listed as XXXX acct # XXXX. 

The name on the reference letter sent to me re this debt was XXXX XXXX, XXXX XXXX XXXX, XXXX, NH. This is not me and I have no knowledge of this account. I was told to check my credit report which I did and saw no listing of this debt. 

The debt was reportedly related to a lease for a XXXX XXXX opened on XX/XX/2018. 

The collection agency has my ss # and birthdate. I don't know how or why they have this information. 

I called XXXX and was referred to this link. 

I would like to stop calls to me, my wife and my daughter re this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: EQUIFAX, INC.
State: GA
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:
****** XXXX ***** Inquiry details Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Equifax XXXX : Inquiry details XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Northtown Capital Services Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is my landlord. They contacted them looking for information on my whereabouts, employer etc. Disclosed personal information that they shouldn't have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: EQUIFAX, INC.
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:
XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem getting your free annual credit report

Complaint:
I called Transunion to get my annual free credit report and Transunion said they stopped doing free annual reports, after that Transunion asked me for {$19.00} to see my credit report and score.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: NC
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:
Can not log on to Experian account after receiving multiple notices of changes to my credit report. 
Contacted " Help '' and they sent my user name. User name was just my name, not my e-mail address! Then did " Change Password '' and new password was " accepted '' per their website. 
But still could not log on. System can't decide if my username OR e-mail is correct. 

Called, but was concerned, once I reached a human, that it didn't sound legitimate. 
So, tried having them contact me by phone, with the " one-time XXXX code ''. They called me with the code, but I ended up with only XXXX of the XXXX digits needed for the code. Same result the 3 times I had them call me. It was a totally automated voice robocall, not a text or a human. 

This has been an on-going problem with Experian. Don't remember all the steps I had to go through to access my Credit Report in XX/XX/2022, so don't know what else I have to go to get logged on. Have a XXXX ID number, but no one has asked for that.

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 2018-11-14
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: Account status incorrect

Complaint:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that XXXX, Experian and XXXX   remove the XXXX XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XX/XX/XXXX until now, however look at XXXX report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on Experian they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories. 
I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.

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