BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have had 2 accounts that have been reported to my credit report since approximately XX/XX/XXXX by portfolio recovery associates. I had never received any communication from them what so ever until I had applied for credit and got declined stating that I had a derogatory item listed on my credit report. When I pulled my credit report I had not one but 2 accounts listed from them showing an open date of XX/XX/XXXX but a first  reported date of XX/XX/XXXX I immediately disputed both items in which they both came back verified. I had disputed them again with the same outcome. 

Further review of my credit reports is showing that the terms of these 2 accounts is listed as 1month terms. According to the following from the FDCPA : FDCPA 807 ( 2 ) ( a ) : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt I do NOT have any terms with this company on either one of these accounts.

This is one example of a violation that Portfolio is reporting on both of these accounts and with all 3 credit reporting agencys.

Another one is regarding Portfolio NOT reporting the date of first delinquency. Citing the FCRA 623 ( a ) ( 5 ) : Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Clearly we are way past the required 90 days as this account has been reported to my credit report since approximately XX/XX/XXXX. As of now, both of these accounts do not have the date of first delinquency on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XX/XX/2017 XXXX data breach several accounts on my credit report are not mine listed : Account Name NATIONAL CREDIT SYSTEMS  Account Number XXXX Account Name NATIONAL CREDIT SYSTEMS Account Number XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: WI
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 contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2017 i sent XXXX XXXX XXXX a letter staying that I was not responsible for a XXXX acct with a balance of XXXX. I received a statement and ending balance for this XXXX acct but they failed to provide a contract with my signature showing that the acct belonged to me and removed the debt from all credit bureaus. I see that they have added this acct back to the credit bureaus with no warning and explanation. They have continually failed to provide a signed contract with my name on it and I am requesting that the acct be removed entirely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
0nXX/XX/XXXX I have sent a letter regrading inaccurate and unknown things on my credit file. Up to this day, it is already over 60 days and I never received any response. I feel like they are ignoring my dispute and taking advantage on me. Section 611 ( a ) it is clearly stated that a failure to investigate these items within the 30 days gives a reason to immediately remove those items from my credit report, it is over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: AFNI 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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from Equifax and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this E OSCAR verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like XXXX XXXX and Equifax are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: AL
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 recently sent a dispute letter to XXXX XXXX and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-31
Company: EQUIFAX, INC.
State: AL
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 recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
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:
Life for me is sinking, I am depressed and discourage. My credit score is being effected by an account that isn't mine. I am a victim of identity theft please help me. in 2017 somebody open a phone line under my name. This account was open for {$170.00} I sent a letter in and never got a response back. This account is hurting me and my family. I have attached a FTC report which is a police report as proof. Thank you.

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 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2020-07-29
Company: SYNCHRONY FINANCIAL
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:
This is a complaint against SYNCB/TJX DUAL CARD, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) SYNCB/TJX DUAL CARD, DATE : XXXX ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: NC
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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
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:
I called Equifax on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf Equifax confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One Bank is currently reporting 3 unauthorized hard inquiries. I am unaware of these inquiries and I did not authorize them. 

I am specifically speaking to the inquiries report on these dates : Capital One Bank Usa XX/XX/2020 Capital One XX/XX/2020 Cap One Na XX/XX/2020 I am aware of the inquiries made May of this year. I authorized those inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2021, the attached dispute was sent to XXXX. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from XXXX. Despite this, the public record in question remains on my 3 major credit reports and XXXX report. I have attempted to dispute the record in question with the credit reporting agencies ( XXXX, Experian, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my XXXX report being frozen at the time. This would also mean XXXX continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.

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 2021-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute a fraudulent charge on my account of {$14000.00}, {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 



-PERSONAL LOAN- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 








Sincerely, XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police 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 2020-10-12
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I set up a payment plan with Synchrony Bank for a PayPal Credit Card for {$75.00} to be taken out of my account on the XXXX of each month. On XX/XX/XXXX they took {$700.00} from my account instead of the {$75.00} agreed. I contacted Synchrony Bank on XX/XX/XXXX and they confirmed this was an agent error however it would take them 21 days to look into the matter. We now have no way to pay our rent or feed our family. My wife and XXXX daughters will become homeless next week because this money was stolen from us and not given back. 

On XX/XX/XXXX I received a letter from Synchrony bank claiming they had attempted to call me, however, I had no missed calls or messages on my phone. They sent a check in the amount of {$700.00} to my old home address without discussing it with me. We no longer live at this address as we are homeless as a result of being unable to pay our rent because this {$700.00} was stolen from us. 

I have called and left messages with XXXX XXXX, as instructed on the letter and she has not once returned any of my phone calls. I need someone to contact me so we can actually arrange for my refund to reach me so my family and I can once again have a home to live in. 

Furthermore, the letter did not tell me how the employee who stole my money was reprimanded and have made no attempt to provide any damages for the loss of our home and the damage done to my family. Isolated incident or not, this has had severe consequences on myself and my family. Unless Synchrony bank feels it is acceptable for a XXXX-year-old and a XXXXmonth-old to be homeless, I am confused as to why they have not made more effort to apologize, contact us, and provide compensation. It has now been over a month, and I am yet to get my {$700.00} back from them.

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 2021-07-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo abruptly reversed a credit for two disputes totaling XXXX and XXXX that I told them I did not make. They did not care and took money from my account 3 months after the fact which caused my account to go into the negatives! I just received my first stimulus and my child tax credit and Wells Fargo garnished them for the negative balance due to there error. Irs told me the stimulus was not supposed to be garnished and Wells Fargo is telling me they have to investigate as if everyone isnt aware of the stimulus being illegal to garnish. They have made it extremely hard for me to take care of myself and my children trusting them with there money and something needs to be done! Wells Fargo just takes money from peoples account with no warning and for no reason! And I need my monies back! I have bills to pay and kids to feed please help! This is horrible!

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