BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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:
XXXX XXXX has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that Experian is reporting with ( 2 ) 30 days past due, XXXX ( 1 ) 30 days past due and XXXX XXXX ( XXXX ) XXXX past due. I mailed the XXXX XXXX XXXX XXXX a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of XXXX I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for XXXX XXXX advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead XXXX XXXX to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX TX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors 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
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX received an unsolicited credit card application from CapitalOne which included a rebate of {$200.00} after spending and paying for {$500.00} of merchandise. 
XX/XX/XXXX -- applied for card through online portal and was approved for the card XX/XX/XXXX -- received notice that card had been mailed XX/XX/XXXX -- received the card by XXXX XX/XX/XXXX -- activated the card. 
XX/XX/XXXX -- used the card to make a purchase with no problem. Used the card to make another purchase from another vendor and card was declined. Immediately notified CapitalOne, but was unable to speak to a representative who could release the hold on my card. 
XX/XX/XXXX -- finally reached the fraud department, explained the situation two more times and was told the card could only be reinstated if I provided additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Convergent Resources, Inc.
State: TN
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 requested debt validation from Convergent Outsourcing TWICE ( once in XX/XX/2019 and again in XX/XX/2019 ) and havent heard a word 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 2018-12-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car from XXXX rent a car on XX/XX/XXXX. XXXX took an initial authorization on the account for XXXX. I extended the rental and and they took another authorization on the card to cover the rest of the rental. The charge for the full amount of the rental of {$420.00} was posted on {$420.00}. There is still a authorization hold on my account for {$300.00}. I called Citi multiple times and was told the hold would be on the account for 30 days. I called XXXX credit card release who told me they sent the release on XX/XX/2018. She called over to Citi to get the authorization released. They told her there was nothing they can do. How can a company hold a pending charge for 30 days when XXXX told them they released the hold. This is unacceptable as a company policy. I spoke with supervisor XXXX from XXXX credit card release who called Citi directly with me on the line. She inquired on how to get this resolved and was told they had no process and just had to wait 30 days.

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 2023-09-03
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The basis for my dispute I C SYSTEM INC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

I C SYSTEM INCfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX XXXX section 603 ( p ) 15 U.S.C. ss 168s-2 ( 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 XX/XX/XXXX, 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, I C SYSTEM INC '' failed to give me my " Mini-Miranda '' XXXX 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 AR allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C SYSTEM INC, XXXX XXXX XXXX XXXX, XXXX, 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 I C SYSTEM INCis held liable as well for defamation and in the state of AR a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting 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 have sent 5 certified leters with no response to removed inquiries not reognized or authorized and still has inquuries listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Improper use of credit report : Late payments posted to accounts

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 2021-03-29
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
applied for a XXXX XXXX card. I was approved, and the agent, at the end of the call asked me if I wanted the " Account Assure Debt Cancellation '' on my card. If I lose my job etc, it pays off the card. I said no at LEAST 4 times, but she was relentless. Once she said that I would have to physically sign and return a letter to accept it, I said OK. When the letter arrived, I promptly shredded it. I pull up my statement today, and find on XXXX, they charged me {$3.00} for this, even though I never signed and returned the approval letter. I have tried to contact them and when I explain the problem, they say they need to transfer me, and then promptly hang up on me. It was also stated to me that if I accepted it, the fee would be 1 % of my account balance as of my statement date. the charge they put on my account is 1.9 % of my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. No information was ever received and still showing accounts of debt buyer with wrong open date and should be off my report as original creditor is older than 7 years and another that belongs to someone else. both are collections and negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Between XX/XX/2023 and XX/XX/2023 Equifax has reinserted an inaccurate account transaction from XXXX XXXX XXXX. I have first hand knowledge that the account transaction is a result of identity theft and is inaccurate. 

Equifax failed to provide me with certified proof that the transaction is accurate. 

I am exercising my right under the FCRA to a reasonable reinvestigation. If Equifax can not provide documentary evidence that the transaction is accurate, it must be promptly deleted from my credit report and file within 15 days. 

Equifax 's actions are negatively affecting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XX/XX/2020 )

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 2023-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
THIS APPLE CARD APPLICATION WONT VERIFY ME ITS NOT WORKING I CALL THEM TO TELL THEM THEY DONT FIX IT TELL ME REAPPLY AFTER 30 DAYS I WAIT SAME RESPONSE THEIR SYSTEM WONT VERIFY ME OR ALLOW ME TO APPLY HOW IS THIS FAIR AND GOLDMAN SACHS WONT DO ANYHTING TO ADDRESS THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Disputed inaccurate information concerning late payments, accounts that were not mine and unauthorized inquiries.

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 2021-10-08
Company: Experian Information Solutions Inc.
State: AL
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:
Someone has been using my social security number to obtain vehicles, housing, etc. Also there are addresses from XXXX XXXX attached to my credit file. I am a Alabama native.and have never resided in XXXX XXXX please see police report attached

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 2023-02-13
Company: Penn Credit Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXXXXXX filed a collection. I had filed police report and froze my social security number. Also filed filed with Federal Trade Commission and it was removed couple of years ago but XXXX put it back on my report. This is fraud as someone used my social security number. I had to unfreeze it because I lost my home in hurricane Ida and I had recently retired. This account is not mine and someone stole my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANCO POPULAR DE PUERTO RICO
State: NC
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:
Account all of a sudden displays {$0.00} credit limit, but I haven't closed the account. Called the bank using the number on the back of the card and they said it has been closed for over a year ( it hasn't! ) and they can't re-open because it has been more than 180 days. 

The XXXX statement still has a credit limit on it, which is less than 180 days ago, so the person on the phone is obviously telling a lie. Also I didn't close the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Nelnet, 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 filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

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 2020-01-26
Company: EQUIFAX, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Platinum Holdings Group, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Platinum Holdings Group is pretending to be a law firm named XXXX XXXX XXXX. They are calling and threatening to sue and/or garnish wages. They are calling and harrassing myself and my family. On XX/XX/2019, I received a phone call from an unknown number. Someone claiming to be XXXX XXXX at the mediation office of XXXX XXXX XXXX needed me to call them due to a breech of contract. I also receive texts and phone calls from family because these individuals called family members as well. I call them back and they tell me I owe {$730.00} for a payday loan with XXXX XXXX or they are going to serve me court papers and garnish wages. I tell him I have already paid it and he stated that the company I paid is not in the chain of command and it would have to be paid again. He tells me XXXX XXXX XXXX is suing me on behalf of Platinum Holdings group and I need to resolve the debt. I hang up and call XXXX XXXX, they tell me they dont know who this company is and they did not sell the debt to them. I call back and a lady answers stating that Platinum Holdings owns the debt and I have to pay it again. She gives me a phone number for Platinum Holdings Group. I call the number and the guy tells me he doesn't care if I have paid the debt or if I have proof, XXXX XXXX XXXX are suing me for the debt. I call XXXX XXXX XXXX back and am told that for {$700.00} I will not be sued. The original loan was {$300.00}. They ask how much I can afford to pay right away so I said {$350.00} on XX/XX/19 and another {$350.00} XX/XX/19. I ask the guy, XXXX, how do I know if this is going to be resolved because I paid it last year and now im having to pay again he said he would send me a payment agreement email, they couldn't send via mail. Later that night I read the email and it looks suspicious. So I check the California Secretary of state site to see if XXXX XXXX XXXX is an actual company and it doesnt exist. I XXXX   them and find nothing. I search for the address on the letter and its a virtual address, not real. I call them on XX/XX/19, and ask who the attorneys are that own XXXX XXXX  XXXX. XXXX asks why I am needing this info. I then tell him I need to cancel my payment. He transfers me to " XXXX XXXX '' who threatens me and yells at me and tells me they verified my employment and are going to garnish my wages. 

This company contacted me about this last year using the same tactics. This is harrassment and I will be reporting them to the state attorney general for unauthorized practice of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

Company response to consumer: Closed with explanation