BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Revco Management, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Original Debt is from XXXX in the amount of {$15000.00}. The only time I have contacted XXXX reguard this debt is when I was not able to make any payments on this debt. 

Credit Report states as of XX/XX/XXXX : Account delinquent 180 days past due date : Unpaid balance reported as a loss by credit Guarantor. Account closed by credit grantor : Last paid XX/XX/XXXX. 

XXXX has been mailing me settlement statements for settlement in the amount of {$6800.00} in 8 payments of {$760.00} and 1 payment of XXXX. 

Now, I have started receiving letters from Revco with a threat of judgment in the amount of {$15000.00}. In addition, they have been calling my phone under multiple different phone numbers. 

I have contacted the three Credit Bureaus multiple times to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed all my and my wife bank accounts and credit cards with no given reason. I realied on it and now I'm broke

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: MO
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:
In accordance to the Fair Credit Reporting Act, Equifax has violated my rights. They appear to have modified the public record they are maintaining with intent to cause me financial ruin. As of today, they are in violation of the following : 15 USC 1681 Section 602A : Consumer has a right to privacy 15 USC 1681 Section 604A Section 2 : CRA can't furnish information without written consent 15 USC 1681s-2 : CRA continues to report with actual known errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently moved back from XXXX XXXX XXXX to XXXX and when shipping boxes one of them was stolen through USPS. I'm still trying to get in contact but they refuse to cooperate and the box that was stolen had my social security card in there. I was trying to look for apartments and can't get approved because I saw that there's a lot of debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: IN
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:
I have a hard inquire on my credit that i didn't allow to be on my credit. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Equifax a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Equifax has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I making a formal complain on the company NCB Management. NCB Management first called a family members phone number on XX/XX/2022. NCB was told that day that the number they were calling was not mine but a families member. This family member was told they would not call this number anymore and she advised she would let me know. NCB continued to call during the time frame of XX/XX/XXXX until current. During the time frame of XX/XX/2022 and XX/XX/XXXX of XXXX NCB called 36 times. During this time they were told on more than one occasion again this number was not mine but of a family members. In accordance to the Fair Debt Collection Practices act - it states that People collecting debts can't harass, oppress, abuse, or deceive you or anyone else they contact. Companies attempting to collect a debt can not call you over and over, make repeated phone calls that are intended to annoy, abuse or harass you or any person answering the phone. to which NCB continued to do despite being told to not call that number again and that it was not my number. I spoke with NCB on XX/XX/XXXX at XXXX am XXXX and advised that the number they had on file is incorrect and do not contact as it is a family members. NCB is also in violation of my rights through not only CFPB but XXXX for the biggest reason being XXXX requires all debt collectors to comply with their regulations. one regulation is that within five days of the debt collectors first contact with you, the debt collector must give you the following information in a written notice. 1. ) the amount of the debt 2. ) the name of the creditor to whom the debt is owed 3. ) that you have 30 days from receipt of the notice to dispute ( there has been not notice or validation sent ). NCB has violated multiple rights of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-06-23
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: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate my rights under 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 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 2022-06-23
Company: Synovus Bank
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:
Prepaid credit card, can not owe money I funded myself. This was suppose to help my credit score but it hurt it more. The account was closed and no longer utilized FCRA 15 U.S.C. 1681 Section 602 : I have the right to accuracy and fairness of credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Investigation took more than 30 days

Complaint:
ON XX/XX/2022 I SENT A LETTER REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE, I FEEL LIKE I AM BEING TAKING ADVANTAGE OF AND BEING IGNORE OF MY DISPUTES. SECTION 611 ( a ) IT PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITH IN 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 PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSE 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 2022-06-23
Company: Mercari, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Mercari et al has refused to be legally/lawfully compliant & has willfully & purposefully been malicious negligent prejudice discriminated retaliated mislead misrepresented conspired by not upholding ALL of my Constitutional rights to privacy that was noticed to them under UCC 1-308 UCC 3-501 UCC 1-103 UCC 1-201 ( 31 ) UCC 3-419 UCC 1-304 UCC 3-505 ; privacy act of 1974 public law 93-579 as codified at 5 usc 552a California Civil Code CA CCP 22.2 ; 8 US Code 1401 ; Title 15 section 1681 FCRA/TILA ; 42 USC 1983 deprivation of rights ; 15 US 1692 ( a ) ( F ) ( 8 ) ; 42 US 408 ( a ) social security ; 4th amendment to US Constitutin privacy ; 18 US CODE 701 identification ; Rights with California address..Mercari et al has illegally and unlawfully demanded I provide them with a government Id and social security number that is illegal and unlawful to do theyve further more refused to provide obligatory information under the privacy act. Theyve refused to compliantly legally and lawfully respond and have instead retaliated by threatening me and to shut my account down if I do not give them this illegal and unlawful demanded information that they are not authorized to collect.I am a publicly recorded private common law non U.S. citizen American national civilian that is no subject to ANY US Citizen laws whatsoever nor may I be threatened coerced or forced under duress to be subject to. Mercari et al is aware of this and has continued prejudice discrimination conspiracy wanton negligence malice misrepresentation misleading but not limited to and has refused to produce any jurisdictionally proper legally lawful standing law that would or could support their claims allegations or demands otherwise and or any alleged contracts. I have never willingly knowingly intelligently intentionally consented agreed given permission or contracted to anything whatsoever that would or could waive my constitutional rights that must otherwise be done willingly knowingly and intelligently as th Supreme Court has ruled that is standing law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I obtained financing through XXXX XXXX XXXX for a vehicle purchase. Every payment was made on time for 60 straight months. The final payment was made on time, however, it was shown on my credit report as delinquent 30 days. This is untrue and I believe a clerical error. It has negatively impacted my credit for years.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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.

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

Company 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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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. 

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

Company 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 2022-06-23
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
{$11000.00} total in Cashiers Checks Cashed and Stamped as received, yet Citi Bank has no record if it?! 

XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, XXXX, I paid off four credit cards with cashiers checks. Two of them were received and paid to XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) the other two were sent to Citi Bank ( Citi XXXX XXXX Citi XXXX XXXX. ) The two XXXX cards processed the checks with no problem. Citi bank however has cashed both checks as of XX/XX/XXXX but has no record of receiving them on their end and therefore have not posted them to my credit card balances. XXXX XXXX XXXX XXXX has the photographs of both cashiers checks dated XX/XX/2022 and stamped as received by Citi Bank on XX/XX/2022. I have called and called Citi Bank. I am immediately sent to an outsourced company where I struggle to communicate with each representative. As of yesterday, XX/XX/2022, a payment investigation was started on Citi banks end. We ( XXXX XXXX XXXX XXXX Representative and myself ) faxed photos of the cashiers checks to the Citi bank payment investigation dept. We were told the late fees on my account could be removed if the issue is resolved and that I should pay my minimum payments to keep my account current. The investigation could take up to 21 days!! One cashiers check was for {$6800.00} and the other for {$4600.00}, and as this was a balance transfer loan from XXXX XXXX XXXX XXXX, I am paying them for the loan. I should not also be paying for the missing checks that Citi Bank has stamped as received and paid but apparently has no record of! {$11000.00} is a lot of money to be missing yet clearly cashed and received but lost! Please help!!

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 monetary relief
Consumer complaint received 2022-06-23
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
i have been attempting to pay my student loans from the years XXXX i attended XXXX XXXX. i also had individuals close to me falsify my name and use me for what i thought was a grant/deposit from my college after having paid my tuition. bottom line, i can not afford to pay the amount owed and my entire credit profile/debt/stress/inability to obtain basic items is in jeopardy. i am a XXXX XXXX XXXX XXXXXXXX, a man who has been getting " bullied '' and harassed for years by debt collectors/con artists etc. i can explain more however i am respectfully requesting that my entire deb in full to the company known as navient, formerly sallie mae, be forgiven based on my public service and my disabilities and my inability to pay unless i declare bankruptcy or am able to collect back pay from the dept of veterans affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports

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 2022-06-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX I received a call from Naviant saying my account was past due. I had been enrolled in an income based repayment for several months prior with my private loan and payments were set to come out automatically.

On the call the person explained that only a partial payment came out and that is need to make a payment of {$67.00} to bring the account current. I made the payment and set up automatic payments there after to come out on the XXXX of each month. I also received confirmation that payments were set moving forward. 

Several weeks passed and I started getting calls from Navient saying my account was past due. Each time I informed the representative that there was a payment scheduled, they said they saw it and then advised they would ensure I wasnt called again. 

I continued to receive calls on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My normal scheduled payment was made successfully on XX/XX/XXXX for {$260.00} as expected. 

On XX/XX/XXXX I received additional email communications from navient that I had a past due amount totaling {$84.00}, including late fees. 

Navient continues to charge me late fees and state that I have a past due account when I should be paid to date. Its clear the Navient can not fulfill their obligation to keep track of payments and I am requesting an escalation of the matter through the cfpb.

Company response to consumer: Closed with explanation