BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT SYSTEM REFUSEL TO SEND ME THE ORIGINAL LEASE AGREEGMENT I CO-SGINED ON LEASE ONE YEAR FOR MY DAUGHTER WHEN SHE WAS IN COLLEGE STAYING XXXX XXXX XXXX THE LEASE WAS PAID AS AGREE AND PAID OUT IN FULL ADVANCE FOR ONE YEAR. ALSO XXXX XXXX XXXX NO LONGER IN BUISNESS. I NEVER CO-SIGNED LEASE AGREEMENT WITH XXXX XXXX XXXX XXXX. I HAVE REQUEST FOR THE ORIGINAL LEASE AGREEMENT FEW TIMES TO BE SENT ME I NEVER RECEIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This compnay calls me numerous times a day. From several different numbers, i have asked them to stop calling me and take me off their list but they havent. They call so much that I am considering changing my number that I have had for the last 5 years and I shouldn't have to change my number. Also this so called debt they are contacting me reagrding has not been provided to me in writing to even validate this belongs to me or I owe them. They call me multiple times a day at this point it is harrasment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: MD
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:
They refuse to complete my investigation this is the 2nd time in 30 days that they have sent me this stall letter. ask for Identification and current address. My first letter was sent XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments.Pursuant to 15 USC 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 Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2022 were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my debit card last being used at a bar in XXXX XXXX XXXX called XXXX XXXX morning of XXXX of XXXX On XX/XX/XXXX XXXX XXXX suspects XXXX Americans XXXX NOTE : I'm XXXX  ) walked into XXXX XXXX and used my card as credit debit at the AZ XXXX machine ( scratchers ). Then proceeded to another XXXX XXXX down the road and hit that AZ lottery machine9 Scratchers ). After that they went a XXXX much north and used it there as well for AZ scratchers. I know they were scratchers because the locations provided me the AZ receipts of them and indicated what they were and what games were played. These XXXX criminals took me for {$2300.00} total. Now I have been with bank of America for over 19 years of a loyal customer service with no previous history of anything or ANY issues. When i called and filed a claim i quickly realized bank of America was NOT going to do anything and denied my claim. Bank of America has made me do everything including file police report which I did and send them surveillance footage with the criminals which I did and also provide the AZ lottery receipts. Police report number XXXX with the XXXX police dept. was submitted upon Bank of Americas request or lack of doing anything i should say so I did it ALL and provided them a packet with all the information with certified mail. It was received and quickly looked at my claim and it was closed ( not paid status ). This is terrible service to a customer who has been loyal for 19 years with a checking with direct deposit a savings account and 2 credit card accounts. They have been rude and unhelpful from day 1.

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 monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 explanation
Consumer complaint received 2021-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to apply for a mortgage and on my report it came back that I owed almost XXXX to a company called portfolio recov assoc credited by XXXX XXXX and it shows it was opened XX/XX/XXXX but I know for sure I didnt open or apply for anything in XXXX. I dont know where it came from or why they put it on my credit. I wasnt notified about it before it hit my credit. I Also didnt open the XXXX XXXX  account in XXXX i dont know why their on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check was written for my rent on XX/XX/XXXX. Though Capital One shows the check cashed, there is no signature endorsement on the back. My landlord said she did not cash this check, as she always signs it. I have called Capital One since XX/XX/. They are constantly saying their 'fraud team ' or their 'management team ' is handling this and will get back to me. I keep calling over and over and nothing is being done. How long can it take to find out where this check was cashed? I don't understand why they keep jerking me around. I have wasted hours and hours on hold while someone contacts " their manager '' or the person in charge or whatever. It's almost laughable now when they tell me they will have someone get back to me. This has gone on far too long and I feel they are not even handling it. I have copies of the front and back of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I attempted to dispute a charge on my card and was told because I have a previous relationship with the vendor, they are allowed to store my card and bill me with no dispute authority. They allowed this charge despite the fact it would take me greatly over my limit. The only option I was given was to make an extra payment to bring my account balance back under the limit to avoid a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: WELLS FARGO & COMPANY
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:
I AM VICTIM OF AN IDENTITY THEFT, THE WF CDR SVC ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.

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 2015-06-16
Company: LEXISNEXIS
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been the victim of identity theft on XXXX occasions in the past year. 
XXXX have been cell phone fraud and the latest has was credit card fraud. 
I have frozen my reports with the XXXX major credit bureaus and seek to freeze my LexisNexis report because they furnish cell phones companies with information about me. 
LexisNexis has denied my request to freeze my report. 
Please assist me in freezing my LexisNexis consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2015-09-02
Company: Harvard Collections, LLC
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I spoke with XXXX XXXX at Harvard Collection Services XXXX HSC ). She was very rude with me while I was trying to get information about the accounts that I have. She would huff and puff and acted like she had an attitude because I was asking for information on my account. She was very disrespectful when I asked about the account information. I missed XXXX payments with them because I am a XXXX in Advanced Indivual Training at XXXX XXXX, SC and was not able to contact HCS during business hours. I informed her that I was gathering informatiion and would call back. However, she began to get loud and yell and informed me that I was XXXX behind in payments and that I needed to take care of the issue. I again told her that I would call back and she got extrememly rude and informed me that my entire balance would be due in full the next time I called. 

This is unacceptable. I am a Soldier trying to get my finances on track and I am being treated like this over a medical bill. She was unprofessional and should be fired!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
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:
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 Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: HI
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:
In accordance with the Fair Credit Reporting : XXXX XXXX XXXX Account # 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.

In accordance with the Fair Credit Reporting : XXXX XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In XXXX I filed bankruptcy after the passing of my wife and being left with an abundance of medical bills for her care totaling {$500000.00} ; I knew that I would not be able to pay off this debt so I claimed bankruptcy. Last year I disputed the bankruptcy with all 3 of the credit bureaus : XXXX, XXXX and TransUnion and after careful review and investigation XXXX Removed the bankruptcy under the Public Records Section. 

To my chagrin I was very perplexed as to why it was not also removed from XXXX as well as Trans Union. On XX/XX/XXXX XXXX stated the following on my credit report : Public Records 0 - " At this time, XXXX has no Public Records on file for you. Public Records are financial accounts attributed to legal actions from bankruptcies. '' Last month I mailed in Dispute Forms to XXXX and XXXX XXXX with copies of my XXXX Report showing the removal of my Public Record - Bankruptcy.

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 2018-10-12
Company: SYNCHRONY FINANCIAL
State: MS
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 noticed a fraudulent account on my credit report. Prior to learning the correct process to have issue corrected I submitted a letter to Walmart/Synchony please see below : Enclosed is a check for the alleged balance for the above mentioned account. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX & XXXX XXXX and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

Upon cashing this check you have 30-days to comply with the above. 

Notice to principal is notice to agent, notice to agent is notice to principal. 

I mailed check # XXXX for {$520.00}. This check was cashed on XX/XX/2018. Since the check was cashed you agreed to the terms of the letter and the terms written on the check. Please remove and and all derogatory reportings from all three credit bureaus.

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 2017-03-28
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as mine.

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 2022-10-28
Company: NAVY FEDERAL CREDIT UNION
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: Problem with personal statement of dispute

Complaint:
I am simply asking you who gave you permission to report on my credit profile. Also, who gave you permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also, since you did furnish this account without my consent and reported on it every month without me knowing that is identity theft which is a felony. According to the law, it states in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person 's identification without their knowledge shall be sentenced to a term of imprisonment of 2 years. I am pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most known forms that all companies must have for a consumer to consent to XXXX or XXXX form Authorization to Disclose Information. Those are the only two forms that must be sent to me to even furnish this debt with my permission. You never offered those forms to me. Also, since you are still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report took a hit because you do not care, and this caused me to miss the job that I initially had high hopes for. 

You are in violation of 15 USC 1692c ( b ) Which states that without prior consent to a consumer, you can not report to a consumer reporting agency. You have been doing that all along which is a felony, and that also results in identity theft. I did not give you consent, and you are still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me { {$1000.00} } per damages to my consumer profile and { {$1000.00} } per violation. So, tell me who gave you the consent to report on my consumer report because it wasn't 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 2022-06-15
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: Their investigation did not fix an error on your report

Complaint:
I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Georgia. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

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