BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: ENCORE CAPITAL GROUP 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:
This account is not mine. The name of company is MIDLAND CREDIT and this account was opened on XX/XX/XXXX. I am a victim of identity fraud and I have spoke with both creditor and credit bureaus about this account and it has been removed from all three bureaus but has been put back on my XXXX only. I requested for more information pertaining to this account from both creditor and credit bureaus and nothing has been sent in over 90 days. 

XXXX XXXX XXXX XXXX was opened XX/XX/XXXX and its reporting inaccurate/incorrect information pertaining to late payments and I requested for proof by creditor and credit bureaus and both told me they cant provide further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX and Discover charged $ thousands to my rarely used card and 2 others while REFUSING to respond to me. I refused Discover mailing to open a replacement card and responded I wld only reconsider AFTER they handled fraud. ( Both XXXX and XXXX fixed within 1 month ). I had to close all 3 cards and reschedule payments.Eventually XXXX ( XXXX XXXX XXXX XXXX XXXX ) initiated conference call to Discover re : issuing new card and notifying XXXX XXXX XXXX. We spoke to 7 Discover employees who did nothing over 2 1/2 hour call. Now my credit rating has dropped drastically. I M XXXX and limited in XXXX XXXX XXXX. Please CALL me for details XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX, after pulling my credit report, I discovered multiple accounts on my credit report that I did not recognize. On XX/XX/XXXX, I submitted my first dispute letter with a list of all the incorrect information on my report, as of today 's date XX/XX/XXXX, I have been disputing wrong information on my credit report several times. Doing my own research I had found that I should contact the CFPB for help ; Below is a list of accounts showing on EXPERIAN & XXXX that have not been removed and they are badly affecting my score : Showing on report from EXPERIAN  & XXXX, XXXX XXXX   XXXX with an alleged acc # XXXX with an alleged balance of {$410.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference ) Showing on report from EXPERIAN only, XXXX XXXX with an alleged acc # XXXX with a balance of {$0.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference )

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 2020-04-22
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:
i recently pulled a copy of my credit report and noticed accounts i did not open

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 2021-12-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 tried contacting the creditor Navy Federal Credit Union to inquire about the account in question and was told they don't have any legitimacy or verifiable information that ties this account to me. When I spoke to a representative I asked if they have any kind of contract, full account number, and/or my full SSN associated with this account and I was told that it has been transferred to another company called The XXXX XXXX based in California. I then proceeded to call The XXXX XXXX about the erroneous account and was told they only have a partial name of said person with the charge-off account in question. I then asked could you produce any legitimacy or verifiable information in regards to my full legal name, Full SSN, full account number, or a contract with a wet signature of mine with this erroneous account? They told me they do not have that information and to call Navy Federal. I have been getting the runaround with Navy Federal and The XXXX XXXX about this account. I tried contacting the Credit Bureaus as well which stated according to Identity Theft pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) stated that account needed to be deleted in 4 days if they can not produce verifiable documents associating me to this account. XXXX has deleted the account, but XXXX and XXXX have failed to do so. Ive also filed a Mistaken/Identity Theft report with the Federal Trade Commission ( FTC ) to expedite this, as I attached a copy of that report to this e-mail to get this deleted/removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without My written instructions 15 USC 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Around XX/XX/XXXX, I requested an security freeze for my child from Equifax using this form : https : //assets.equifax.com/assets/personal/Minor_Freeze_Request_Form.pdf I mailed the completed form and the required documentation to this address : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX That address is listed on the form itself and on this page on Equifax 's website : https : //www.equifax.com/personal/education/identity-theft/freezing-your-childs-credit-report-faq/ On XX/XX/XXXX, I had not received any response from Equifax. I called Equifax to ask whether they had received the request. I was worried because the request contained sensitive documents for both my child and me. I was told that the address listed on the form and the website does not accept requests for child security freezes. I was told that requests for child security freezes that are sent to that address are destroyed without being processed. This seemed difficult to believe, but Equifax 's phone support team confirmed it several times : if you send Equifax 's form to the address that the form says to use, an Equifax employee will open it up, shred it without processing it, and send no reply. 

The XXXX. XXXX XXXX address is still listed on the Equifax website as of XX/XX/XXXX. I was unable to find any other mailing address for requesting a child security freeze on the Equifax website. This effectively makes it impossible for parents to freeze their child 's credit report through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX, my Citi XXXX Credit card was charged a {$95.00} annual fee. I called Citi and asked to cancel the card. They provided a retention offer, saying that if I spent $ xx on the card in a certain amount of time, they would waive the annual fee. A couple weeks later, I could not remember what the offer had been that I needed to complete, so I called citi back to ask what I needed to do. The representative shared with me that I needed to spend {$95.00}, and I did so that same day. A month later, when the annual fee had not been refunded, I called Citi to inquire why it had not been refunded and I was told I had not made the charge in the required timeframe. I shared that I had called Citi the same day I made the charge and had been told at that time that the offer was still valid. Citi still refused to refund the annual and said they would need to go back and  listen to the call history, which might take up to 30 days. I informed them that would not be paying until they called me back with the resolution on the dispute. This dragged on for 3 months, and I was not provided a resolution until XX/XX/XXXX. Citi did at that time refund the annual fee and the late charges due to their error, and I paid the full account balance at that time. Citi refused to let me dispute the derogatory credit reporting.
Two months later, I have tried to use my card and was declined multiple times, I assumed my card was expired or something. I called Citi to have a new card sent, and was told that my account was closed, prior to my discussion and resolution with them in XX/XX/XXXX. I was never sent a letter informing me of the account closure. They also stated that I would have received a letter in my online banking and there is no such communication there. The person I spoke to for over an hour who refunded my fees also never informed me that my card was closed. Additionally, I have had a credit balance on my card for two months now, and despite the fact that the card has apparently been closed for almost three months now Citi was simply holding on to my money, instead of sending me a check for my balance.
Citi clearly violated regulations in not sending me notice of account closure, they also should have sent me my credit balance, however my primary concern is the derogatory credit reporting that Citi reported, despite the fact that there was on ongoing dispute regarding the charge on the credit card that was not paid. Citi dispute # : 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 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
CApital one claim I got a loan from them. I never got a loan from capital one to finance a vehicle ever. Ive disputed this information with the agency and still nothing. At this point this is depressing. This account is currently listed as open on my account I need this removed Ive never even lived in the state they claim this car was bought. XXXX XXXX 
I reside in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all. 
XXXX and Transunion has continued to report this invalidated information which is a direct violation of the FCRA.

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 2019-02-18
Company: National Credit Systems,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:
Duplicate information with two seperate companies for diferent negative amounts. by XXXX XXXX XXXX and Natnl Credit Systems for same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
i want these accounts removed not mine account name : XXXX Account XXXX balance : {$560.00} i want these accounts removed not mine account name XXXX XXXXr account XXXX balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX amount {$750.00} XXXX XXXX XXXX XX/XX/XXXX amount {$700.00} XXXX  XXXX XXXX  open XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX XX/XX/XXXX amount {$5100.00} XXXX Bank XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX open XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX  open XX/XX/XXXX amount {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Endpoint Resolution Services (ERS)
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ERS in XXXX New York collection agency calls my parents home everyday. They ask them to quit calling everyday and they continue to call. They told mother it was a legal issue. She was recovering from a XXXX XXXX and they continued harrasing her every day. She had another XXXX XXXX and passed away last month. They still continue to call and harass my sick  father now. Every day they tell them I am XXXX years old and don't live there. My father even gave them my number and they still call them. I called them today and they told me it is not illegal to contact them repeadetly after asking not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: U.S. BANCORP
State: TN
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 recently received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XXXX XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX   as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX   did not notify the courts either. I pulled all of my court records from the courts in XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX  XXXX XXXX Federal Identification number to report a XXXX to IRS in XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home eighteen years,  until you XXXX XXXX XXXX XXXX XXXX took it from me.

May God have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have filed several disputes with Transunion last dating XX/XX/2021. They have failed to properly investigate the inaccuracies on my report and well as the account not being mine. I have sent documentation as well as proof and they have failed to do a thorough investigation when I have proof of the inaccuracies as well as a police report and Identity theft report. Transunion has committed several FCRA violations.

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 2020-04-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
During the week of XX/XX/2020 - XX/XX/2020 my checking account with Navy Federal Credit Union was hacked into and {$1600.00} was stolen from me. I tried reporting this information to the Navy Federal Credit Union but they keep telling me after a thorough investigation on our side we have determined that no error has occured. I have even provided them with a police report and a schedule for when I was at work but an associate connected to the investigator from Navy Federal Credit Union has told me that they now need some new information other than what Ive provided them to prove my innocence. I dont know what else to provide them so thats why I am seeking help from you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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/2021, 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 2017-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is now in violation due to the failure of providing verifiable proof as required under the  15 U.S. Code 1681g - D isclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing! I 'm not sure if the account was fraud or is a mistake on your part providing false information on my credit file. I faxed in a copy of my Driver  's License and Social Secu  rity Card on  X/XX/17 . It clearly does not match the records you maintain under my social secur ity number. I have tried relentlessly between yesterday and today to call you to discuss. The answering system says that there is a not an operator available now to call back and then it disconnects.   I am  ready to proceed with a lawsuit against your company for 1. Defamation 2. Negligence 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I would be seeking a minimum of {$1000.00} in damages per violation. I will be using a high profile attorney to expose the wrong that you are doing to me.

Company response to consumer: Closed with explanation