BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: Navient Solutions, LLC.
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 enrolled into a student loan consolidation company in XX/XX/2018 which was called The XXXX XXXX XXXX. I supplied the XXXX  with all necessary documentation to consolidate my student loans along with my bank information to make monthly payments to the XXXX while they consolidated my loans. XXXX  was to pay minimum balances on student loans and or place them on hold or in a forbearance until the consolidation process was complete which I was told by XXXX  would take up to 6 months. Fast forward to XX/XX/2018 I pulled my credit to find out XXXX  did not make any payments to my student loans causing them to default. XXXX  also changed all of the my contact information to their contact information therefore I was not notified. I discussed this issue with XXXX   and they agreed it was an error on their part and even submitted an " At Fault '' letter to all 3 credit agencies and the credit agencies have denied removing the negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
FDIC Ref. No. : XXXX Two months ago, I was opening new disputes, and my checking account was good to use. But Two weeks or, my checking account was restricted due to my unusual activities. At the same time, i received one letter from capital one, and it said they wan na end relationship with me. I tried to ask capital one why my account was restricted and why they wan na end relationship. They said I have mutiple unusual activities. I didn't know why they did it, and they didn't tell me more. I tried to call them mutiple times, and i wan na get my money back. They said once my claim was closed, they would send me close-out check. Why? I couldn't wait. That's my family 's money, and i need it today or right now. Why can't i get it back. That's ridiculous, and what capital one did made me disappointed and angry. No matter what, i wan na get them back. That's why i am here to complain the capital one. 

Not just that, one supervisor of protection resolution team talked to me, i tried to need help from him, but he hung up without listening to my help suddenly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NY
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:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Account information incorrect

Complaint:
I was declined credit from XXXX XXXX because of some incorrect information that Experian reported to them. See below what they submitted to XXXX XXXX : The revolving balance ( s ) on your XXXX XXXX accounts is too high. 
The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. 
The amount of your payments in relation to the overall balance on your XXXX XXXX account ( s ). 
Proportion of loan balances to loan amount is too high. 
All that information is incorrect. 
I don't carry any balance with XXXX XXXX. I pay them off before the due date. 
I don't have any credit cards with balances. I have a XXXX  % Utilization.

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 2019-08-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
See Complaint #XXXX >> USAA cancelled my card -XXXX because they said it was "compromised". I was told a new one was sent. After a month I have not received. I tried to resolve by phone, but would only verify my identity by mobile phone or email to which I do not have access, so agent XXXX and supervisor XXXX would not continue to resolve this problem.    I was finally able to reach the agents both XXXX and supervisor XXXX each of whom did not bother to listen to the problem. We have been sent a replacement card, but it is the card -XXXX which had not been compromised and is still valid. I had been very explicit that the card -XXXX in the name of XXXX XXXX had been cancelled, was supposedly replaced, but we had not received it. So, by not listening, these two agents instead had the wrong, still active card - XXXX sent us as a replacement and still the card -XXXX has not been replaced and is now voided.I also got a telephone call from someone at USAA "business" something, but this woman did not leave a return telephone number.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-16
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-04-30
Company: Experian Information Solutions Inc.
State: IN
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:
THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER XXXX XXXXXXXX XXXX FOR XXXX XXXX  Original creditor : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES

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 2021-12-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$92.00} XXXX XXXX XXXX XXXX Balance {$12000.00} Inquiries not tied up to positive accounts : XXXX XXXX  Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX - XXXX XXXX Inquired on XX/XX/2020 XXXX  XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
showing inaccurate information that balances are incorrect also showing inquires that are not mine gm financial over charging on interest rates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to clear up a wrongful Past due payment from XXXX, they ended up adding another past due for XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than XXXXpts.

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 2023-04-26
Company: North State Acceptance, LLC
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: Their investigation did not fix an error on your report

Complaint:
I got a XXXX  with North State Acceptance XXXX of XXXX. It was repoed XXXX of XXXX due to medical issues and them not willing to work with me on a 30 days late payment. They took the XXXX back then XXXX of XXXX contacted me and asked me if I wanted the XXXX back I could pay XXXX $ and restart with them but I declined that offer. Around XXXX we went to court over the balance due after they sold the XXXX  and I had a payment agreed made with courts. North State did not show up to court on the requested court date neither. I did a garnishment as dealing with this company was impossible. My garnishment was paid XX/XX/XXXX, that was the last payment taken from my account. From XXXX to XX/XX/XXXX XXXX XXXX still reported none payments to my account and showed a balance of XXXX XXXX I contacted the courts and they stated that there was a interest balance owed of XXXX XXXX I disputed the balance owed and the reportings of non payment to XXXX with no help. the whole time I was making my monthly agreed payments north state never reported it to the credit company and even disputed it they never fixed it. XX/XX/XXXX I contacted XXXX XXXX and made the payment of XXXX XXXX I spoke with a lady name XXXX, I asked her why they had not reported any payments made, why had they not reached out about a balance owed and why were they reporting a balance of XXXX XXXX Her response was the system doesnt take in account your payments and just reports no payment because you opted for garnishment and that their system was messed up. I asked her to delete once the payment processed of XXXX XXXX She sent me a email with a payment and that a deletion letter would be mailed to me in 30 days. First I never received the letter and second its still on my credit. Also how can a company report incorrect info to my credit and I provide proof and XXXX still not fix it. Then after I made the payment left I get a alert that North State reported a XXXX $ to my credit report. When I had a letter it was paid and should be deleted! I disputed this yet again with XXXX for them to state the info was credit. How is this possible??? I contact North State and get a young man who tells me that the system has glitch and is doing this to many accounts but that they will have it fixed by XX/XX/XXXX. My credit has been hit many times for incorrect information from a company that does not care they are hurting someones credit. I was told this would be delete and it has not. I want this remove due to the email I have stating deletion, due to the mupilte times they reported INCORRECT INFORMATION to my account and Experian allowed it. Even tho I showed proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On 2 separate occasions during XX/XX/2018, agents ( different employees ) from Citibank Fraud Services on behalf of Sears Card contacted the " Name of Nearest Relative Not Living With You '' in a ruse to compel the third party to take exogent actions disruptiive to their daily activities and/or risk breaching confidentiality by divulging information they would not normally not divulge about my whereabouts/contact information. This had the effect of causing my elderly parents to worry for my safety and/or construe that I was in financial distress as if mismanaging my financial affairs, above & beyond breaching my wife 's and my privacy. 

Note neither action was incident to collecting a debt from me but rather incident solely to reduce Citi 's  internal cost of business by ferreting out suspected out-of-pattern behavior as potentially fraudulent For such, I have no issue whatsoever when I am contacted personally at my home, place of work. mobile number, SMS text, email, in accordance with the disclosed terms and conditions. I consider that and our credit relationship to be mutually constructive as stipulated and will gladly cooperate. 

However, I do not recall consenting to providing reference information purposed not incident to collecting a debt pursuant to our creditor/debtor relationship, and feel that Citi breached our trust in grossly over-stepping here not only violating my rights but panicking an elderly woman in her XXXX 's through no fault of her own. 

Is Citi within its rights to " skip trace '' debtors unrelated to collecting a debt pursuant to the debtor/creditor agreement? ''

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 2018-04-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX bought a fraudulent account from XXXX XXXX XXXX. XXXX XXXX XXXX  had imposed fees not included in the term in either written or verbal form and, tried to collect the debt on their own by 12-19 phone calls a day. Some happening as frequently as every 15 min. After arguing about the 1st bills inaccuracy for 27 days the account was closed and placed in internal collections. XXXX XXXX XXXX ceased calls after 58 days. The account was originally openedXX/XX/XXXXand closed XX/XX/XXXX ( XX/XX/XXXX according to XXXX  ). XXXX XXXX XXXX  purchased the debt on XX/XX/XXXX. It was reported to XXXX in XX/XX/XXXXand removed from the report in the same month for Fraudulent reporting. On XX/XX/XXXX, XXXX XXXX XXXX   reported the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: MD
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 is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation