BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: National Creditors Connection, Inc
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
NCCI Debt Collection Representatives is calling me repeatedly and using profane, vulgar and abusive language, making threats of taking legal action against me for garnishment of my wages, calling my employer to make me lose my job, getting me sent to jail and prison and making threats of violence and death against me for a XXXX XXXX  XXXX XXXX account # : XXXX, the amount of the debt is {$30.00}, XXXX thats a fraudulent and unauthorized account that dont belong to me. This extremely frightening and very disturbing to me. I am in fear of losing job and life because of the severe and numerous threats I have received from NCCI Debt Collection Representatives.

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 2021-03-24
Company: EQUIFAX, 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:
There are numerous accounts listed on my credit report that I have no knowledge of. I did NOT initiate or authorize these accounts. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX has made every attempt not to give me my credit report and charging me money without lettingCredit Report Summary Your XXXX  credit file includes identifying information, trade line/account information, inquiry information, public record and collection information. 

Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information typically come from information you supply to lenders. 
Trade lines are your credit accounts. Lenders report on accounts you have established with them. They report information including the type of account ( bankcard, auto loan, mortgage, etc ), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. 
Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years. 
Public Record and/or Collection Information are public record information such as judgments, tax liens and bankruptcies. Your credit file may also contain collection account information from professional services e.g. doctors, hospitals, cable companies, etc. that have been turned over to an outside collection agency. Not all credit files contain public record and/or collection information. me see my score b/c i sued them b/c of the breach will not let me see my score but still charging me

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 2017-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effectiveXX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My oldest capital one credit card since XXXX was close the exact few months, XXXX, XXXX and XXXX of XXXX. The months of the shutdown. Ive called right after to tell them about the situation that the entire county was already familiar with at the time and Ive gotten no where or no response at all. One rep told me since the shutdown and whatnot was happening they can just remove the account. They never did. It was just a simple card with a {$750.00} limit. My very first and oldest card. All I would like is for the card to be re-opened with age and on time history, which now may be way to late, or the account totally removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: International Computer Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX XXXX - VP of Operations XXXX The basis for my dispute required to notify me prior to, or no later than 30 days afterXX/XX/XXXX, 2016 XXXX XXXX XXXX, XXXX XXXX - VP of Operationsfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX - VP of Operations '' failed to give me my " MiniMiranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX - VP of Operations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX - VP of Operations is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, Equifax, and XXXX all make freezing and thawing my credit extraordinarily difficult. Even in times of obvious and publicized hacks of their databases -- putting my and millions of other American 's secure information in the hands of criminals -- they are making the act of freezing and thawing my credit nearly impossible and re-directing me to PURCHASE products from them to prevent my information from being stolen. HELLO!? 

The U.S. government needs to step up and take the keys to the castle away from these fraudsters. It 's time to take control and start saying no to the companies that are acting no better than the petty thieves and hacks corrupting their databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Quality Asset Recovery LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
An account from 9-10 years ago was recently placed on my credit by Quality Asset Recovery of New Jersey. The amount is XXXX, original creditor XXXX XXXX XXXX XXXX XXXX for  tuition assistance in XXXX or XXXX while I was active duty military for the XXXX. Apparently While cleaning up accounting records the XXXX and XXXX decided to send old debt to collections. QAR is the collection agency. QAR either doesnt know or doesnt care that debt is 9-10 years old and placed it on my credit in XX/XX/XXXX. I decided to call and explain it was too old to be placed on my credit original date of delinquency at least 9-10 years old. When I called, I verified phone, name, address, ssn so they could locate my file. Once they figured it out they said the person to handle my case wasnt available and they would call me back. I said I Do Not want them to call me ever, I do not give them permission to call me. I will call them back and the operator became immediately rude. They called back shortly and I did not answer. They attempted to call the next day a couple times and I ignored them. Apparently they found an alternative # which was my wifes, she actually spoke to them until they became belligerent and she told them she will not let them talk to her that way and hung up. When I arrived later she told me what had happened so I called to explain what dont call means. When I called and talked to them about it the operator said something snide and hung up. I tried again, same thing happened. I tried again and XXXX XXXX answered and tried to overtalk me, I shouted him down and told him to never call again and blocked their #. XXXX XXXX is the one who talked to my wife in a demeaning manner. She was taking his number, asked for it a second time and he said let me slow it down for you, threeeee ( pause ), fivvvvvv ( pause ). At this time, my wife told him she was not stupid and he didnt have to act that way. Anyhow, this company was rude and aggressive, told not to call and did multiple times, reported an account as delinquent as of XX/XX/XXXX when it was more like 10 years ago. They also have it listed as medical debt when it has nothing to do with medical. I compel you to have them bring proof of original debt and once it is determined to be past the 7 years they need to have it removed. This company is an example of why the Fair Credit Protection Act was created.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions 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:
There are some accounts that were paid by insurance reporting on my credit report as unpaid. I have sent a letter to Experian, asking them to correct the accounts, but they have not responded yet. Its been more than 30 days, and they were supposed to have gotten back to me by now. I am uploading a copy of the letter I sent to Experian.

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 2022-01-17
Company: EQUIFAX, INC.
State: OH
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:
During the period of XXXX I went to file my taxes. XXXX XXXX. XXXX Ohio. I sat down upon completion of my return the tax professional told me that I already had a return but he couldnt see it and that it was in another state that all he could tell me. So I went to the irs building downtown XXXX it had to be between XXXX and XXXX cant remember exact date but reports and paperwork is on file! I went to the irs building and filled out fraud paperwork and what not. Ive just now got a tax return from XXXX till XXXX I was instructed from the irs to file all 5 at the same time I did. I just received my return but my complaint is with all the credit bureaus they will not remove all the hard inquiries from my reports I did not apply for any credit and I do not have anything in my name somewhere someone compromised my social and information and used it so if you guys would help me that would be life changing gratitude!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: CAVALRY INVESTMENTS, LLC
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: Old information reappears or never goes away

Complaint:
Cavalry Portfolio Services is reporting a very old debt ( probably XXXX yrs old ) on my credit report as a collections item claiming it originated in XXXX. This is FALSE. XXXX was the year that XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX, but this was not the original date of the debt, which was from XXXX in or around XXXX. 

This account also shows as OPEN and since XXXX no longer exists, it is definitely closed. I also received an attempt to collect on the debt in the form of a bill from them, and it confirms that the debt is too old to be sued for it. I have not opened ANY credit card accounts with a $ XXXX balance in at LEAST XXXX YEARS. 

This item and the recent " COLLECTIONS '' status needs to be removed from my credit report. It is the only derogatory I have and messing me up to refinance my house. AND THEY JUST REPORTED IT AGAIN ON XXXX, XXXX!!! ARRRGH. 

Thank you for your assistance. I really appreciate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX A VICTIM OF IDENTITY THEFT, XXXX XXXX, XXXX EQUITY AND WELLSFARGO BANK

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 2018-01-07
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 had recently submitted a dispute with CFPB for Equifax, for a dispute into my credit reporting. As stated before in my previous dispute, I had paid off my XXXX XXXX account, ending on XXXX. The account was previously charged off.profit and loss. I contacted XXXX XXXX, and was offered a settlement amount, but I declined the settlement amount, but I waned to PAY IN FULL and have the account DELETED from my report, as I am trying to purchase a home. My account manager at XXXX informed me that once the account has been paid in full, that I can contact there credit dispute department to have it removed. I have been given the run arounds at trying to get this account removed from my report, even after I have paid it Full, as of XX/XX/XXXX. As I did investigation, I see that I should have got the pay to delete in writing, but it was verbal over the phone. As for the previous dispute with equifax, that simple responded as said that all my personal information as been verified. I was not disputing my personal information. I was disputing the XXXX XXXX item not been REMOVED from my credit report. The status that was updated is " PAID COLLECTIONS '' that was not what I agreed to when I made the arrangement to pay in FULL,. I verbally agreed to have the item removed. Can an investigation been looked into to having this item removed from my report permanently., as I have fulfilled my agreement with XXXX and has PAID this debt in Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have more than XXXX Ultimaterewards points accumulated in my Chase account over many year which worth over {$2000.00}. I just noticed that the point balance returned to zero. I called the custom service and they told me that my Chase freedom card was closed by Chase due to inactivity ; hence the points balance was forfeited as I did not redeem the points in time. Even though Chase claimed that they have sent me letter notifying me about the account closure ; from my side, I have not received any about account was closure. Hence, I was not aware that I should redeem the points. I accumulated the points over many years as a customer using Chase credit card, forfeiting the points is not a fair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 contacted XXXX, TransUnion and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If XXXX, TransUnion, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.

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 2019-09-20
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My score dropped XXXX points for a card remark from XXXX card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from XXXX and equifax. incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: Fleet Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
iLendingDirect processed a refinance of my auto loan for me on XX/XX/XXXX, financed by XXXX XXXX XXXX. As part of the package I purchased a vehicle service contract for {$3100.00} through XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX to cancel the service contract. I never received a refund and the amount paid for the service contract was never returned to the bank. On XX/XX/XXXX I followed up with XXXX XXXX XXXX and they responded that the contract was voided prior to be funded and that iLendingDirect still has the funds. I have been attempting to get iLendingDirect to return the funds to me or my lender but have had no success. They keep telling me that I am not sending them the cancellation form which I have submitted twice now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation