BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
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:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have doubts about the accuracy of this account and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8900.00}

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 2021-08-05
Company: EQUIFAX, 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 information incorrect

Complaint:
I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX ) The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.

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 2021-08-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a victim of identity theft and last year got sick during the covid outbreak when Chex systems started displaying info on my report that was inaccurate violating the fcra laws and refusing to remove the XXXX XXXX  account which is incorrectly listed.

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 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for XXXX years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for XXXX hours a day '' I responded no I take XXXX or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX ) The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.

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 2021-08-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, Synchrony Financial closed ALL my open accounts ( 5 ) with them, without previous notice, warning or explanation. It was a completely inadvertent action take upon my credit/store cards financed by said institution.

I must add that all my accounts were on a good stance, ranging from low ( <10 % ) to XXXX balances, as well as always having on-time payments and no issues of any kind. 

Trying to get a response or explanation as to why this happened has been unsuccessful and I have not received any letters either up until the date I am submitting this complaint.

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 2020-08-18
Company: Convergent Resources, 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:
On my XXXX credit report it says that i owe CONVERGENT OUTSOURCING XXXX from XX/XX/2018 from a XXXX bill. I called XXXX and they state there is no record which could mean the debt was sold. I have not owned a XXXX phone since XXXX i have sent verification of that fact and 3 months ago i contacted CONVERGENT OUTSOURCING and asked them to please verify this debt. I wrote them a letter, i sent an email and i called their customer service line. They have still not verified this debt. Since i have not heard anything back from them I disputed this debt with XXXX. XXXX in turn states that they have validated this debt. I call XXXX and ask could i please have a copy of the validation they received and they state no its private information. No one will give me anything to validate this debt and yet it stays on my credit report and XXXX  refuses to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG

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 2021-08-05
Company: Experian Information Solutions 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 an account on my credit report that is reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed this alleged account with Experian on XX/XX/2021. The account is from XXXX XXXX and the payment history reporting is incorrect on this account along with an incorrect balance. Since sending the dispute letters on XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

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 2016-07-22
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX I made contact with Jefferson Capital LLC located at XXXX, MN XXXX regarding a collections account that they are reporting to my credit report. I spoke with a representative named XXXX with ID # of XXXX, after explaining that the account they are attempting to collect on was opened in XXXX and closed in XXXX ( Jefferson Capital LLC is reporting the account was opened in XXXX ) I questioned why it shows it was opened in XXXX. XXXX informed me that XXXX is when they recieved the file and could report that date legally. I then asked if they report the file being opened in XXXX that would mean it would stay on my credit report until XXXX instead of XXXX ( if showed reporting from XXXX ). She then told me that I was correct and it will continue to show as a new account from XXXX then would remain until XXXX. When I advice her that I think that is illegal she told me it can be done because that is when they received the account. If this was the case and a new company bought the debt from Jefferson Capital LLC and placed a new open date, the debt would never be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called a credit card company XXXX credit it was placed on my report for {$450.00} Ive never applied for a card with this company so I called the company and ask them to remove it they told me I didnt exist in the system yet Im on there on my credit report of called again and they gave me a phone number to contact that number was a fraudulent email address I tried to call attempted to call back and try to rectify the situation I just dont wan na be charge for something that I didnt apply for nor did I use they told me that no I dont have no information in the system and Im just trying to get this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Personal information incorrect

Complaint:
I RECENTLY PULLED MY CREDIT REPORTS AND FOUND SOM EITEMS THAT WERE NOT MINE. PLEASE CORRECT/DELETE.

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 2021-08-05
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021 at approximately XXXX I received a voicemail from the following phone number XXXX XXXX XXXX XXXX XXXX claiming that they are representing the department of the treasury XXXX 

This is an important message from Pioneer credit recovery Incorporated this is XXXX I'm calling on behalf of United states department of the treasury the law requires we notify you that this is a debt collection company this is up to collect a debt and any commission obtained is used for that purpose call us back today at XXXX and when calling back please reference ID XXXX once again the call back at XXXX I have searched the phone numbers for any relationship to the department of treasury but I can not find anything related to the government but I was able to match it to a debt collector XXXX : XXXX. I believe these are scammers and they are impersonating the department of treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021, i sent my first letter to EQUIFAX disputing the unauthorized inquiries that they are reporting on my credit report inaccurately. I didn't not allow anyone to pull my credit, in which i asked for documentation which i never received.I then send out my 2nd letter on XX/XX/2021, and they haven't responded to either one in which is a violation of the law. I am asking to resolved this matter with these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
to whom it may concern i am a victim of identity theft the items of my concern are XXXX acct # XXXX amount XXXXXXXX XXXX  the account was opened on XX/XX/XXXX and XXXX XXXXXXXX account # XXXX the account was opened on XX/XX/XXXX amount of the card XXXXXXXX XXXX these two accounts were unauthorized and i would like the removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was working with XXXX XXXX  to repair my credit last year and I disputed validity of 2 debts to Capital One Bank which were listed on my report. After the waiting period, it was determined that I'd proven my claim and Capital One had to remove the items from my report. A year later I suddenly get a notification that my credit has dropped nearly 30 points because of a new collection. When I looked to see what it was it showed, XXXX XXXX which confused me as I don't know anything about them. Upon opening it I discovered that it was Capital One. They were reporting it as a brand new debt and saying that I currently have open accounts with them. All lies. They've now added a second item from Capital one to myreport and are essentially destroying my credit score. I was under the impression that once you win the dispute its over. Not that the company can decide to sell it off to a debt buyer and then they can put it back on your report. I spoke with XXXX  today and they told me that this constitutes fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Old information reappears or never goes away

Complaint:
I was the victim of a scam in XX/XX/XXXX, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: CASHCALL, INC.
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was called by XXXX XXXX of XXXX XXXX XXXX in XXXX, he was calling to collect a payday loan from 2011. He was rude and threatening. he said if I did n't pay right away " he was going to haul me in front of a Judge for Defrauding cashcall ''. He also has called both of my sons ( not sure how he got their numbers ) and giving them a hard time about wanting to serve papers to them on me. He also called me at work saying the same thing and saying he did n't want to embarrass me at work but would if I did n't pay immediately. He stopped calling for a week them started the same thing all over. The number he gave me via voice mail to call is XXXX. This was a {$500.00} loan and now he is trying to collect over {$5000.00}. Shortly after I took this loan I became ill with XXXX and have been fighting that the last few years. I am not a criminal as he is saying to me and my sons.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Let me start by saying that I have been a customer of BOA since I was XXXX years old which is now 30 years and have never had a problem until now. 
XXXX-Bank of America cashed a check in the amount of {$5600.00} for a person that fraudulently forged my signature. I had been waiting on a check from my mortgage company for escrow funds. I never received the check and when I called the XXXX mortgage company they told me that the check had been cashed. I wasn't even in the state when the check was cashed. I filed a Safety Issue claimed on XX/XX/2021 XXXX PST with XXXX  he said it would take at least 10 business days to hear back from BOA but it is now XX/XX/2021 and no response has been received. I have filed a police report, reported to XXXX ( issued the check ). I don't understand how a bank teller could have cashed a check for someone with no identification.

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 2015-12-14
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to : https : //www.annualcreditreport.com website that was linked on the Equifax website : https : //www.equifax.com/personal/help/free-equifax-credit-report/ website. 
The button for the Equifax credit report gives this message : XXXX XXXX XXXX XXXX This is again how credit bureaus avoid complying with the law. They want to force you to open an account with them so they can steal more information from you and even try and upsell you to pay for the very information they have stolen from you in the first place without permission or remuneration! 
I want the free annual credit report I'm entitled to without the XXXX.

Company response to consumer: Closed with explanation