BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: MD
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 initially sent a Method of Verification letter in XX/XX/2020 requesting for the company to provide me with a letter detailing how they verified this bankruptcy belong to me. By law credit bureaus have 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a {$200.00} gift card from Kohls after the purchase there was a hold placed on my account and Kohls canceled the gift card. Yet they still billed me for it I called them and was informed the gift card was no good at which time i indicated i was not going to pay on a gift card that was no good. And did not want the card replaced i had a previous purchase and paid that off so my only balance was the gift card. they continue to charge me late fees and interest on the gift card. as of now the balance is {$270.00} and is being reported to credit agencies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
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:
My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.

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 2017-11-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Tried reaching out to Equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to get this resolved. Tried disputing by phone and online without any success even after letting them know that these inquiries were fraudulent. I let them know that I was concerned after the equifax es breach and I had open a identity theft account to protect myself but they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: FAIR COLLECTIONS & OUTSOURCING, 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 information incorrect

Complaint:
In 2020, a collections agency contacted me about an account they purchased from XXXX XXXX XXXX. I submitted numerous documents to prove that XXXX XXXX XXXX was illegally withholding my deposit and charging me {$3000.00} for a penalty, claiming I broke my lease and did not provide them with written notice that I would be vacating the apartment at the end of the lease which was almost 2 months later. They included charges for items I documented on the move-in sheet that they never fixed. I tried to work with the local office, the collection agency, an attorney, XXXX, and the 3 credit reporting agencies. Their excuses run rampant, and I can no longer access the many maintenance requests etc. as the company uses a resident portal that I no longer have access to. I submitted over 30 pictures and documents to Fair Collection and Outsourcing, and they returned a response of " XXXX XXXX said their information is valid ''. 

This is the only negative account on my credit report, and after researching, I've discovered that this company has been sued multiple times in multiple states and even investigated by news organizations for their illegal business practices. I can not prove that I handed the written notice to the employee behind the desk because I did not know anything like this would happen. Please tell me there is something I can do to have this removed from my credit report and any way that I can help in protecting other consumers from this company.

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 2020-11-08
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  : XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX Experian : XXXX  XXXX XX/XX/20.

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 2021-10-22
Company: DISCOVER BANK
State: NY
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 have a credit card with Discover card services and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from XXXX. All of the information is wrong I immediately called XXXX, XXXX rep told me Discover has not checked my credit and that my last inquiry was in XXXX and not from discover card. XXXX told me to call them when I called they are denying it and claim they got information from XXXX. Not sure where discover card received their information from because I have no inquiries on my XXXX report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: MI
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making consistent payments of more than {$600.00} each month for the past 9 months. I have proof of each payment. Despite this, the loan servicer continues to report to the credit bureaus that I have not made a payment. However I have made a payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AFNI INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We sold our home at XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I personally took all of the XXXX equipment to the store located at XXXX XXXX, XXXX, XXXX XXXX, on XX/XX/XXXX to return and requested the account be closed. The account was in good standing at the time and I even paid the bill that came due on XX/XX/XXXX for {$240.00}. I received late payment notices from XXXX starting after XX/XX/XXXX stating I was past due for XX/XX/XXXX. I contacted XXXX a total of ( 5 ) Five times between XX/XX/XXXX and XX/XX/XXXX. Three time in person at the store ( including the original return of equipment date on XX/XX/XXXX and two times by phone ). During one of the two times by phone I received a " ticket '' number XXXX from the XXXX representative on the phone and was told the account would be updated and closed per my initial contact on XX/XX/XXXX. On XX/XX/XXXX, I received another statement in the mail stating I was now past due for the months of XXXX and XXXX, XXXX. I went back to the XXXX store located at XXXX XXXX, XXXX, XXXX and informed the XXXX representative of the situation. He pulled the account up and informed he corrected it and showed it closed per XX/XX/XXXX. I left the store and received an email about 10 minutes later from XXXX showing where the account was closed, but dated XX/XX/XXXX and NOT XX/XX/XXXX. I returned to the store and spoke with the same representative, again, and he assured me he specifically put in the notes for the account to be closed XX/XX/XXXX. I now learned as of XX/XX/XXXX, that XXXX has turned me over collections. I am disputing this claim. I have documentation showing where the house was sold on XX/XX/XXXX and we moved into a new home the same day. This is absolutely ridiculous. I did everything required to close the account and still not resolved. 

I have also filed a complaint with the XXXX XXXX XXXX. I have attached a copy of the closing paperwork on our house located at the residence where service was provided relation to the bill and also a copy of one of the " XXXX ticket '' numbers I received during one of the 5 conversations with XXXX representatives. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Have filed multiple different disputes with Equifax for an account on my credit with XXXX XXXX XXXX that was opened under fraud. Each time there is no resolution, the account continues to show up on my report causing me to lose time by filing disputes and delay any credit related purchases that I may have. XXXX and XXXX have both already removed the account without delay. Complaints have already been filed with the FTC and Equifax still will not take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Experian Information Solutions 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:
Tried reaching out to experian multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to dispute. All they did was put a 90 day freeze to my report without me requesting it or without the problem being resolved.

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 2022-03-09
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: Investigation took more than 30 days

Complaint:
I have Been trying to work with the credit bureaus to get this account deleted. I have been reading into my rights and I know that if there's errors, that the accounts must be deleted. I have sent them over a dozen letters to try to correct this and get it deleted, and they just keep giving me the runaround. I have already filed a complaint with you before but I am attempting again to see if this time is different. I am requesting for the account to be deleted and have attached a copy of the information being reported as well as my ID since one time they said I had NOT attached it and I have been attaching it and every single letter. 

XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MD
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:
Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX Account # XXXX ha

s violated my rights.

15 U.S.C 1681 section 602 A States I have the right of 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 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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Transunion, This Complaint is formal notice that you have failed to respond to my dispute letter of ( XXXX ). I sent this letter certified mail. 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act The following information therefore needs to be deleted from the report as soon as possible : 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 THE XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION 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 2020-11-08
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: Was not notified of investigation status or results

Complaint:
I have been sending letters to the bureaus it has been longer than 60 days and I still haven't gotten a response. I am really stressed and don't know what else todo. I have a list of unauthorized inquiries that is on my credit report that I did not commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX i applied for a car loan with Bridgecrest Auto loans, and due to the Pandemic and loss of employment i could no longer keep the car. I called XXXX where i received the vehicle and advised that i would need to do a voluntary repo for the car. I was advised to drop the keys off and they would let Bridgecrest and they would contact me with the amount owed once the car was sold. 

The car was sold and i was advised their was no debt, I never heard from Bridgecrest again until i noticed last year a debt from a company i did not recognize i tried to call the company and the number was disconnected. I disputed the autoloan on all three of my credit report in XX/XX/XXXX and it was removed from my credit. 

On XX/XX/XXXX a lawsuit against me was taken out and i was not advised by the court or Bridgecrest that a lawsuit had been taken out on me until recently in XXXX of XXXX when a court reporter served me a notice saying that i was being sued by a company called XXXX XXXX XXXX on behalf of Bridgecreast since this time they've placed a {$15000.00} debt back onto my credit and still have not contacted me directly and tried to work with me on a feasible solution. They also used bad tactics by sending court documents to an address i no longer live and have not lived at for over 4yrs by ensuring that they are able to complete a default judgement, this is predatory on their end and shows bad faith on the companies part. 

Their court case has been dismissed because they did not show up to court, i feel harassed for no reason.

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 2017-11-03
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITYXXXX CA XXXX XXXX XXXX 2017 To Whom It May Concern : Your firm has continuously contacted me over an alleged debt in the amount of {$250.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,

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 2021-03-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2021 my Amazon credit card account managed by synchrony bank, closed my account due to my 2nd returned payment. This returned payment was in result of not being able to deposit my money on time for the payment I arranged, I usually make it on time, but this wasn't the case when my community was struck by the natural disaster Texas suffered during XXXX. In addition, the frozen roads prevented me from making my usual income to support my all my expenses.

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