BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I have no knowledge of these two USAA delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below Usaa XXXXxx Usaa XXXXxx

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a complaint with discover I have been a card holder for XXXX years currently with a line of credit of {$7500.00} with a balance of {$450.00} outstanding payment history recently I received a notification requesting documents from irs of proof of income in which I provided prior to accepting card first year of having. There is nothing in there disclosure that warrants these actions and speaking to two XXXX co workers whom stated they have never went through this I feel discriminated against totally and Im filing a complaint toward this company if this was a regular process why isnt it disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2019, My brother in law went missing and 3 weeks later, was found XXXX XXXX on XXXX 's eastside. A Citi Card representative called me and I spoke to them and advised them that i would make my payments but explained what was going on. Two hours later I received another call that I missed, 30 minutes later I received another call from a Citi card representative. I asked her why they were calling me so much, she responded by telling me that they wouldnt call again and hung up. I later found out after contacting the company that she placed me on the ( DNR ). I logged on to the Citi card app and scheduled a payment directly from my bank account. 2-3 weeks later I noticed that the payment was never debited from my account, so I called and to my surprise they Completely closed my account without notification or warning because of 2 returned attempts which was the result of a system malfuction in new software that was implemented by the company. However that was my OLDEST and highest line of credit and I just watched this drop my credit score over 100 points THIS IS NOT FAIR! 

I tried settling because they sent me a settlement offer and paying the debt because the interest is consistantly tarnishing my credit reputation the represntative advised me to call back on a later date which was impacted by COVID-19 but I still called several times. I have also called to pay several times and the collection department just transfers me to different departments and representatives who is never able to accept any paments. I have screenshots the calls and call times, some over 40 minutes each just tro get no where.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: UT
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-01-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2019-04-22
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
credit consulting services XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX is attempting to collect on medical debt that was included in BK back in 2012. They are reporting 9 collections on my credit report every month causing my scores to drop. I called asking them to remove these erroneous collections instead they asked for my current address, employment, phone numbers all supposedly for the purpose of verifying the account and my identity and NOW i'm getting calls at home and work at XXXX and all they day to XXXX or XXXX at the evening from harassing and rude collectors of theirs attempting to collect debt and this morning XXXX XXXX collection agent from credit consulting services stated she has a sheriff heading to my house if I didn't pay her the money ... and I would be arrested ... how is it even legal these days to harass citizens this way ... please help me stop this non sense ..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On Mar XX/XX/2020, XXXX  add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2017-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I ordered a gift card through XXXX XXXX on XXXX XXXX, XXXX. The card was never delivered. I have called the support line about 6 times since then, and have been very frustrated with the lack of results in crediting the XXXX points back to my account. 

My most recent conversation was with a supervisor named XXXX on XXXX XXXX, XXXX. While friendly, he was ultimately unable to credit the points back or do anything of significance to move the process along. He told me that a request had been made on XXXX XXXX, XXXX to defund the undelivered gift card and return the points to my account. On two previous calls to the support line, I was quoted a 30-day wait time for the process. XXXX told me that the wait was 60 days. 

Today is XX/XX/XXXX. It has been 77 days since XX/XX/XXXXwith no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have done a complaint against MCM Midland Credit recently and in XX/XX/XXXX. 

I have been a victim of identity theft and have already provided information for police report showing when I first became a victim of identity theft. 


I was a child graduating from high school and going off to cells and didn't apply or wasn't acknowledged of this company or any debt in XX/XX/XXXX. 

I haven't lived in XXXX, Florida since I graduated from high school in XX/XX/XXXX and went off to college. 


I never been to court or had any interactions with XXXX XXXX XXXX and I have once again recieved false and identity theft court documents from MCM and XXXX XXXX Courts Case No. XXXX dated XX/XX/XXXX. I was not living in XXXX during this time frame. I know nothing of this debt and someone has been using my name and information to collect debt. 


This is a scam and identity theft. This company has already contributed to defamation of character on my job as of XX/XX/XXXX which led to me losing my job after a similar judgement was sent to my job to collect a false debt from identity theft. 


This company is deceitful and manipulative and scam innocent people trying to get money and the XXXX XXXX XXXX house sign off on false judgments and act on identity theft against innocent law abiding people. 


I was a child and I had no debt or acknowledgement of this debt or what the debt is even for as I have provided police report showing identity theft. 

This MCM and XXXX XXXX XXXX XXXX steadily has been harassing me over a debt that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I pulled all three of my consumer report ( XXXX, TransUnion and XXXX ). I noticed that an unauthorized alleged debt for an unsecured loan with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. I do not know how this company has had access to my social security number.as I never given it to them. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C. 1692a, revoking my rights as a consumer, a natural person who is obligated on or allegedly obligated on a debt, 15 U.S.C. 1692f, 12 CFR 1006.34, notice for validation of debts, 15 U.S.C 1692g, Validation of debt, as I have sent a debt validation letter to this company on XX/XX/XXXX and they have not responded. Exhibit A is presented within the portal of a certified letter with return signature has been sent to the address listed upon my consumer report of this company. This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

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 2020-07-31
Company: EQUIFAX, 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:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX  XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX  XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have NOT been in contact with this company except to file a complaint via CFPB. I asked the company to provide a ( Debt Validation Letter ) signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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:
Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.

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 2018-09-15
Company: EQUIFAX, INC.
State: NY
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:
EQUIFAX REMOVED A NAGATIVE ACCOUNT FROM MY CREDIT REPORT THEN ADDED IT BACK A WEEK LATER. 
EQUIFAX SENT ME A LETTER SAYING THAT THEY WOULD REMOVE ( XXXX XXXX XXXX ) FROM MY REPORT THEN THEY ADDED IT BACK AGAIN WHICH IS ILLEGAL TO DO. PLEASE REMOVE THE FRAUFULENT ACCOUNT AGAIN FROM MY REPORTI IS ILLEGAL TO REMOVE A DISPUTED IACCOUNT THEN ADD IT BACK AGAIN AFTER IT WAS REMOVED LEGALLY. 
PLEASE REMOVE THE FRAUD ACCOUNT THAT WAS ASSOCIATED WITH THE FRAUD ADDRESS. XXXX XXXX XXXX IS LISTED IN MY CLOSED ACCOUNTS AND THIS ACCOUNT IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 I went into XXXX XXXX to make a XXXX XXXX card for {$460.00} the bank teller gave me a receipt saying the transaction failed I then went outside to use the atm and it wasn't taking my card either.I went back inside the bank and ask them what happened to my money I called XXXX XXXX the next day after it was posted cash pending for {$460.00} then the next day they said the money was taken off my card. I went back into the bank the following day and spoke with the manager XXXX XXXX. I called XXXX XXXX  and put them on speaker. Both are claiming one or the other has the money. I never received any money from the bank camera 's don't lie. I have faxed XXXX XXXX all the documents that I have concerning this matter.Please help me with this thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account

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