BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account CAP ONE AUTO, Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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 been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX and Associates, XXXX XXXX, Portfolio Recovery, XXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: NRA Group, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have a collection placed on my credit report with National Recovery Agency located in XXXX PA. I have never opened an account with this corporation and they have failed to provide me with a proof of debt. This negative information was placed on my credit report on XX/XX/2018 for the amount of {$540.00}. I have been hindered in opening credit lines purchasing a new vehicle because of this negative information on my credit report. I am including tracking numbers that proves National Recovery Agency has received my dispute via USPS # XXXX this dispute letter was received on XX/XX/2018. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEMS INC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

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 2023-07-10
Company: EQUIFAX, 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:
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NE
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 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on auto pay and I would like to have more taken out each month so I can get ahead on my loan automatically. Navient does not support this - per their help file " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, '' I feel that is is misleading. Currently to make an extra payment I have to remember to manually do this each month. The only way I could increase my auto payment amount is to change my loan term to a shorter term which is not what I want to do. If I went that route and I ca n't make the revised much larger payment - I am in default and will owe fees. ( I did go that route about 5 years ago for a {$100.00} increase before I understood this would change my loan term. ) This feels intentionally like a way from stopping me from paying my loans early and should be stopped. I also find the details very confusing and for uneducated consumers it really might set them up to fail- they think wow I am doing great paying more each month - only to realize there is no going back to smaller payment terms without going into some sort of alternative payment option, forbearance or hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as the 15 USC 1681a ( 2 ) ( B ). I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: TENET HEALTHCARE CORPORATION
State: TX
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:
CENTRAL FINACIAL CONTROL SHOW ON MY CREDIT REPORT, I 'VE NEVER HAD A RELATASHIP WITH THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: IA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My complaint is to report Transunion for horrible customer service and refusing to discuss details regarding my credit report & score. More importantly, Transunion has recently dropped my credit score XXXX points!!!!! I logged into XXXXXXXX XXXX XXXX XXXXo review all three credit bureaus records of my credit reports. NONE of the reports give a detailed account of why my credit scores either increase or decrease with each bureau. ( The XXXX score recently dropped XXXX points. ) I've called Transunion 3 times within the last XXXX weeks to get details on my report and scores prior to the XXXX point drop and the customer service reps would not discuss anything with me. The reps simply told me to look at the online credit report to find answers to my questions. I don't see the point in that when the reports give no details or insight to the activity on my credit reports. The reports are very vague! THIS NEEDS TO BE IMPROVED FOR CONSUMERS. Reviewing vague reports is criminal and limits the consumers ability to build a solid financial future as it relates to credit. The credit bureaus, such as Transunion, are quickly ruining my scores and credit, and I can't get any answers on why or how to fix the problem. I have one revolving account with my bank and 2 XXXX  accounts. I have paid ALL accounts on time over the last 2 years and my credit score continues to SIGNIFICANTLY DROP! XXXX points is inordinate, especially when there is no record anywhere of why! I've worked VERY hard to improve my credit score to above 700. But what is the point if the credit bureaus are inaccurately reporting and inaccurately managing my credit report. It's angering that the credit score points will drop at high numbers, but when a consumer, like myself, does the right things and makes huge efforts to improve credit scores, they increase by one or two points at a time. That is absolutely iniquitous and oppressive! The entire idea of consumer XXXX  scores is criminal and oppressive on its own, but that's another story, for another day. At the moment, I need to know why my score dropped XXXX points, given that I pay my bills ON TIME! And I need to know why the reports don't give thorough details on why scores increase or decrease.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: AR
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-01
Company: V.I.P. MORTGAGE, INC.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
This home buying process started in XX/XX/XXXX, we put a hold {$2000.00} deposit down on a new construction the builders, XXXX XXXX We worked with vip mortgage co of XXXX, AZ, the bate team, started construction put a earnest deposit on the home and expected closing was end of XX/XX/XXXX. Turned in everything in a timely manner the loan company asked for, but my retirement money could not be withdrawn. We moved to closing assistance. The date to close moved again to XXXX and issues started we signed purchasing documents XX/XX/XXXX. We done everything in a timely manner. I even purchased home owner insurance in XX/XX/XXXX because vip told me to do buy it for the closing, well we were moving in XXXX to the property, so I just recently cancelled the policy XX/XX/XXXX. Closing set for XXXX. I started noticing wrong address on documents and we signed to lock in interest rates and the officer saying we didnt, dont worry when we sign at closing we can ask all questions then. I was not told my driver rate and the interest rates I was locked in on twice. Where is my withdrawal and why my loan was withdrawn and why builders cancelled on me? XX/XX/XXXX. XXXX we signed another purchase agreement. Closing date moved again then builders and vip stop answering my texts and calls.? I was kept in the dark. Closing date moved again they wanted rent ledgers and income ledgers. Started telling builders we were not co operating. I called XXXX XXXX for updates and she told me vip wants to end the process. Then XXXX XXXX stop answering my calls, texts and emails. I reached out to my realtor which both companies seemed to speak thru her. To speak to me to tell me what I needed to finish. Paperwork turned in as requested the builder set another closing date we were not told the date and the builders closed our closing and will not return our deposit and vip just said its too late we sorry bye! 
I feel discimamated against in my first home buying process. This has been going on for months and we were planning on moving into our new home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-23
Company: Franklin Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The so called Franklin collection svcs never got any consent neither a court order from a judge to put a derigatory acct on my credit report with XXXX and XXXX. They had no consent to the account they opened themselves and I disputed the illegal account with XXXX and they go ahead an report it at a different day. This is a fraudlant business who never got a consent neither a judge ordered that account to open on my credit that I worked 11 years on making it great with 100 % payment on time. I do n't owe anything and I did n't ignored or missed any pmt. I demand from this company to stop retaliation and harassing me and go find something legal to do. This company is disease and needed to be stopped. I urge our officials who read this to make an end to the so called Franklin Collection SV SOMETIMES THEY USE SERVICES AND THAT WAS JUST SHOWING THEIR GREED TO RUIN EDUCATED PEOPLE 's financial record no I Wo n't. I will demand compensation for damages and sue this company if it does n't stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has my fathers credit card on my credit report. My fathers XXXX credit card is listed. We share the exact same name but hes XXXX and Im XXXX. His XXXX credit card was opened back in XX/XX/XXXX. The only credit card that belongs to me in the XXXX XXXX credit card that was opened in XX/XX/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 2019-06-02
Company: EQUIFAX, INC.
State: OH
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 reached out to XXXX and equifax about this issue 3 times now. 

XXXX XXXXk is reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-09-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I regularly received solicitation from Huntington Bank for opening an account. They always ask for direct deposit. On XX/XX/2018 I received an offer to open an account with them and deposit at least {$1000.00} within 60 days and I would receive a {$200.00} bonus in my account. Well after I made the deposits I never received my bonus. I contacted the company service line and I was told that my account did not qualify. The rep said that I must have direct deposit of {$1000.00}. This was absolutely not true. The offer clearly stated deposit not direct deposit. I had been receiving offers from them and this one did not mention direct deposit. I feel like Huntington Bank defrauded me into getting a checking account with them. They used false advertising and defrauded me into doing business with them. I have attached a copy of the ad. At the bottom it clearly states no direct deposit needed.

Company response to consumer: Closed with monetary relief