BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn credit called my employer and left a message for me. They also called my personal cell phone number saying my ex-husband owed a debt. I told them my ex-husband couldn't be reached at my number. I contacted my ex-husband and forwarded the number to him. My ex-husband called Penn Credit. He asked for specific information about the debt and the rep he spoke to refused to give him specific information about this so-called debt he supposedly owed. Penn Credit wanted him to confirm his personal information and said they couldn't disclose any information about the debt due to third party confidentiality rules. Penn Credit then told him that he would need to call back to get specific information about the debt but he wouldn't be given any information until he gave them his personal information.

I'm not sure if this is a legitimate company but aren't debt collectors required to provide specific information about the debt when they initially contact individuals to try to collect the debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: PR
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:
I am writing to express my concern regarding my credit score on Equifax. It has not been updated since last year, and most of the information on my credit report is not current. This situation is affecting my ability to grow my credit score, and it may prevent me from applying for a mortgage loan with better rates in the future. 

I have used the dispute system online, but I am not receiving an accurate answer. I have only received a generic response, which does not address my concerns or provide a solution to the problem. I am worried that this issue may persist, and it may cause long-term harm to my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One denied by consumer transaction. I was not given any information per the denial of my consumer transaction. XXXX XXXX XXXX XXXX XXXX 15 USC 1611

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
sent ftc claim with police report of the violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax : XXXX file number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: NC
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:
I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have Experian, XXXX and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.

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 2020-03-10
Company: Experian Information Solutions Inc.
State: CO
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:
There is a XXXX XXXX XXXX credit card on my credit report. Fraudulent charges were made to the account. The account is older than seven years and I want it removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2020-05-30
Company: Experian Information Solutions Inc.
State: KY
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:
THIS IS NOT A REPORT OF IDENTITY THEFT Experian has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating, I am attempting to purchase a home. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than XXXX years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX XXXX  - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX. XXXX, XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2018-09-27
Company: Investment Retrievers, 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: Account status incorrect

Complaint:
On Monday XX/XX/XXXX, I contacted Investment Retrievers Inc. to let them know that the debt which is showing 'open and past due ' was included in my XX/XX/XXXX ch.XXXX discharged bk. I spoke with a cs rep. who was not able to assist me. I was forwarded to a supervisor who never answered the phone. On XX/XX/XXXX I left a vm explaining what my issue was. My call was never returned. I called the following day and left another vm. The call was never returned. This discharged debt is being reported by all 3 credit bureaus as open and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: MI
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  Account # XXXX XXXX  Bankruptcy XXXX XXXX  Bankruptcy, 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. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXX Equifax Type : XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX  Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX XXXX Equifax Type : XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : Dismissed Dismissed Dismissed Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - XXXX  Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Federal Liability XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I previously submitted a complaint with you against " XXXX ''. They run a money laundering bait and switch and multi fake name company scam. They put charges against your account just to see if your bank will pay it and defraud you. I dont allow any non PIN purchases and didn't knowingly authorize multiple identities and duplicate charges. My bank is a scam. They still avoid paying for stealing money from my account at XXXX and internally. Stalking me. 

" XXXX XXXX '' a different company again already refunded it when questioned. My bank needs to be closed for criminally insane XXXX XXXXXXXX carriers in their operations. XXXX XXXX XXXX XXXX XXXX is a habitual criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: SC
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:
These are not my accounts, nor are the addresses on file.

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 2018-05-07
Company: Experian Information Solutions 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:
Greetings, I have a complaint against Experian that started to decrease my credit score since XX/XX/XXXX on a weekly basis without any apparent reason. Please see below : XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 15 points. 

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 6 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 3 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 12 points. 

I contacted Experian several times, wrote a letter by mail, and instead of giving me any response, today they decreased my score again. 
During this time frame -from XX/XX/XXXX-XX/XX/XXXX I paid off 4 credit cards. Two banks  increased my credit line -XXXX Credit cards -from {$13000.00} to {$18000.00}, and XXXX XXXX - from {$5000.00} to {$10000.00}. And this all happened within the same time interval. In spite of all this, Experian dragged my score from Good to Fair. 

Please help me deal with this company that decreases my score as much as they want without any solid grounds for that.

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 2021-08-09
Company: EQUIFAX, INC.
State: DC
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 reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX I do not recognize this account and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent this letter months ago to the credit bureaus and did not receive any notices or responses regarding my concerns on my credit file

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 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was fraudulently charged {$24.00} on XXXX and another {$24.00} on XX/XX/XXXX from XXXX  and as A result of it, I have the 30 days late payments showing on my Credit Report for XX/XX/XXXX which I had never authorized anyone to swipe my card to anyone when I check the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: U.S. BANCORP
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2021-01-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have bought a XXXX XXXX XXXX in XXXX and sign a Loan in order to engaged with this transaction. 
In 10 years never had any issue to make my monthly payment but since XXXX and the coming of The Covid 19 I lost my own business, my client portfolio and encountered some delayed in my monthly payment. 
Despite using accessible tool offered by Nissan to differ a payment and calling the institution to express my challenges I was reported to the credit bureau for an amount of XXXX dollars postponed payment. 
Moreover my contract has now matured and I am about 2 months to finalized the payment of the car note. Nissan Auto acceptance are forcing me to pay something I was not aware, something I was not informed, something I was never explained to calls final interests. As a client I felt trapped and abuse in this circumstance as do no allow client to access to customer service for complains via e-mail or phone, moreover Never had a performance review in 11 years on this Loan, Communication by staff # XXXX not legally appropriate ( professional vs public person ) Agent XXXX mentioned that all this was my responsibility to follow up on this matter and calculation of interests, XXXX could not help me out but to ask to send a letter of complain to their legal team using the post office services.Financial Institution like Nissan should have in their operating system a performance review on XXXX with client or at least some form of communication during the end period of the Loan. I am asking your expertise and experience to review this very abusive case asking to pay XXXX dollars over my normal payment that I have made with consistency the last past 11 years. Nissan make feel abused, XXXX  and XXXX  on their very manipulative strategy which is way more regulated on the Mortgage Industry for example.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$3600.00} from {$3200.00} to {$6900.00}. 

i dont understand, they keep playing with my information it goes up and down and they always want more. i cant pay this also ive paid thousands of dollars in student loans already, also never finished the program. i dont understand why they want more and more. it is impossible and i have my loan on forbearance and yet they over charge when its suppose to be frozen out my account for a year. 

can they just keep over charging people because they want to. 

ive called and all i get is hung up on ..

Company response to consumer: Closed with explanation