BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife and I have been in a COVID-19 hardship since XX/XX/2020. It has now been over 7 months with me losing my full-time job making {$90000.00} per year and now being on unemployment of {$440.00} per week. Citi has only provided 2 months of payment deferrals during this entire period and are calling us non stop every single day trying to collect a debt on a closed credit card that we have no ability to repay right now. This is the only financial institution that we are working with that refuses to help their customers in any way. We have done everything we can to make ends meet and make the minimum payment on this card for the last 5 months and are completely out of savings or any way to pay this card back, but they don't care. 

In the last 10 years, my wife and I have NEVER missed a payment on anything until now. 

I have requested additional COVID-19 assistance multiple times and have been sternly told no and that if the payment is not made they will seek collection services and possibly legal action. 

America is in desperate need of help during this terrible pandemic and the one credit card we have is being extremely predatory.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-07-06
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: Their investigation did not fix an error on your report

Complaint:
Consumer Financial Protection Agency : On XX/XX/XXXX, I discovered a discrepancy on my Equifax and XXXX  credit reports that indicated several delinquent activities during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was associated with a XXXX XXXX  ( Card Number XXXX ) account that I was listed as an authorized user on. I never consented to or authorized myself to be listed as a user, nor did I utilize this individual account during this time. The account was opened in XX/XX/XXXX ( when I would have been three years old ) by my parents, XXXX and XXXX XXXX. At some point, they added me as an authorized user without my consent or approval. I have had similar experiences in the past where I was able to dispute such items and have them removed from my credit report. I can assure that XXXX does not have my signature on record indicating my consent. 

On XX/XX/XXXX, I filed a dispute with both EquiFax, XXXX  and XXXX. On XX/XX/XXXX, XXXX informed me via letter that they are unable to update the credit report as an " authorized user must be removed from the account first ''. They then directed me to contact the Customer Service phone number on the back of the card ; however, the card or account has since been closed as of XXXX. 

On XX/XX/XXXX, I received notice from EquiFax that they conducted an investigation and deemed that these items belong to me. Again, I dispute this as I never provided approval, nor was ever asked, to be added as a user on this account. How can they deem that I should be responsible for these delinquent activities when they can not furnish the proof that I authorized to be on the account in the first place? 

I request that this be investigated so that the XXXX XXXX  ( XXXX ) account is removed entirely from my credit report or that these delinquent activities are removed. 

I appreciate your consideration of my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX was incorrectly reporting late payment for XX/XX/XXXX and I previously submitted a CPFB complaint regarding the handling of that dispute ( see attachment ) .The CPFB complaint was resolved and the company did remove the late payment from the payment history on my reports, however, on my transunion report the payment status is still showing 30 days late. It says 30 days late for amount of XXXX. Please look at this again and correct the payment status on transunion. Account was paid in full on XX/XX/XXXX and was never late.

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 2020-09-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was aware of this fraud account on my credit XX/XX/2020. I am not aware of where it came from or who used my information. Since XX/XX/2020, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
Upon discovering I was again a victim of identity theft I took the required legal steps to have these fraudulent accounts removed. As per FCRA 605b the accounts in question were removed although not in the required time frame of 4 days which already placed the credit bureau in violation of federal law. That said, I was okay with the extended time frame however several accounts were reinserted in violation of the FCRA. The FCRA 605b is crystal clear as to when an account can be reinserted and non of the three standards set forth in section ( c ) ( 1 ) ( a ) ( b ) ( c ) apply or are being adhered to. Instead, the credit reporting agencies ( XX/XX/XXXX and Experian ) reinserted these tradelines based on the original creditors request to reinsert with absolutely zero evidence these accounts are valid. The accounts in question are XXXX, XXXX XXXX and XXXX, all were included in my identity theft report and are to be blocked permanently within 4 days of that being submitted. There are legal standards by which these can be reinserted however non apply to this case and their reinsertion is a violation of my rights under FCRA 605b. I intend to file a lawsuit in small claims court as this has harmed me and my family financially and has taken hours of my time every single day.

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 2018-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 a victim of identity theft. I tried to negotiate this matter with Capital One and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties. in XXXX of 2017 however still harassed by Capital One legal team to make payments months later although payments was made in full in XXXX 2017. Capital One is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that Capital One absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all XXXX credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Friday, XXXX I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is Security Credit Services. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
From XXXX XXXX XXXX : Loan amount : {$28000.00} The lender, XXXX XXXX XXXX XXXX XXXX, the companies couldnt prove was owed. There were false and misleading documents. 

The trusts purchased and securitized my loan, and then sold notes secured by the loan to investors. The trusts have no employees but instead use service providers to interact with consumers about their loans. 

XXXX XXXX XXXX XXXX XXXX is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. 

XXXX XXXX XXXX XXXX Trusts are fraudulent, lying, and manipulative that use unfair collection tactics and will forge/falsify documents at will to suite their own needs. 

I am please asking that this loan be discharge based on falsifying this loan contract and transferring the information with out my consent and forged my personal information for payments to suit their own needs. 

I am please asking for someone to contact me about this matter asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Protas, Spivok & Collins. LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX, XXXX # XXXX Protas , Spivok & Collins , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation, dispute, or come to an agreement. I never received anything from their attorney ( listed above ) as well prior to the warrant in debt notifying me that this action was going to be taken. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from CA to VA to appear.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-23
Company: Clarity Services
State: FM
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 challenging the XXXX  XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Early Warning Services, LLC
State: FM
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 challenging the XXXX XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: U.S. BANCORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On a XX/XX/2021 @ XXXX XXXX, sir-mam I had got a phone call a robocall from an US bank from the phone number XXXX, concerning financial issues and I XXXX XXXX XXXX accepted an offer that was made by acts of the US Bank, my acceptance of the offer was hereby approved do the officials of US Bank agree or disagree with such an act of the US Bank. In addition the depositing of such funds hereinto my bank account no., is still in progress do the US Bank officials agree or disagree with the process as the funds are being deposited, thereinto my Bank account. In addition, sir-mam myself XXXX XXXX XXXX had an agreement for therein US Bank for a financial assistance as a consumer from acts of the US Bank sir-mam do you as an official for an US bank agree or disagree. You sir-mam as a US bank official must hereby respond hereto the cause or matter for the hereinabove within a 72 hrs. time frame thereafter receiving this legal notice do you agree or disagree. Your response hereto this cause or matter, concerning the hereinabove must hereby officially be within a written statement concerning the hereabove cause or matter do you agree or disagree. Also if you sir-mam do not respond hereto this legal notice, sir-mam you can and will hereby ruled within a default and therefrom that default proceeding ( s ) will hereby begin do you agree or disagree. Therefrom your written statement must hereby officially be delivered to myself, as a service hereto myself an XXXX XXXX XXXX, hereat this email-address XXXX. In addition this is a non-litigation notification.

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 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted XXXX XXXX to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by XXXX XXXX on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked XXXX XXXX is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that XXXX XXXX can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contract Callers Inc is listed on my credit report. There has been no verification provided to show that I had or have any liable obligations to make payments to Contract Callers Inc for any type of services. They are collection a debt which I have no debt that is owed to their company and they have not provided me with any information or verification showing that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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:
Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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 information incorrect

Complaint:
XXXX has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX  in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on 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 non-monetary relief