BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
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:
Noticed a hard inquiry on my credit report from XXXX XXXX  XXXX today XXXX-17. I DID NOT authorize this. The address on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX. I called the phone number XXXX and it gives you some option but it ended up giving you a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My original amount was {$640.00} - XX/XX/XXXX, my monthly payments was approximately {$43.00}. I made payment of {$50.00} for the month of XXXX, XXXX, and XX/XX/XXXX, on time. Then in XX/XX/XXXX, I missed the due date and paid 2 days later, and was charged {$29.00} late charge, and that month I paid {$43.00}. I've continued to pay {$50.00} XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, either before or on the due date. But because I was late paying in XX/XX/XXXX, they have charged me {$40.00} each month as being late, therefore, although I've paid {$300.00} since XXXX, my account remains the same, because they take {$40.00} of my payment as being late. I feel this is FRADULENT and they should be made to post my {$300.00} I've paid to my account, plus the {$29.00} late charge for XXXX. This is considered HIGH CLASS STEALING FROM THE CONSUMER. I WANT MY MONEY APPLIED TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient is making it impossible for me to pay back my loans. I called navient to try to set up a payment arrangement. The person told me that my loans are not with navient yet they are still with XXXX. I called XXXX and they of course say navient has my loans. No one can tell me where my loans are so that i may start paying them back. And i have not recieved any current statements or letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a U.S Certified mail to their place of business in an attempt to retrieve proper validation of said debt but have not received a response yet as of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Capital One Bank purposefully and deceitfully blocks my application process for checking account despite I was targeted by them in a mailing. 
The answer provided by their office of the president is fictitious and it is meant to confuse and deceive. Both my PC requirements and the public library confirmed they meet browser criteria specified by message below. Capital One continues to block my application process and when I requested an alternative to solving the issues it was denied. 
Office of the President & lt ; XXXX & gt ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Capital One CID:XXXX Capital One CID : XXXX CFPB Case No. : XXXX Dear XXXX, I appreciate you taking the time to speak with me on XX/XX/2017, regarding your inability to open a 360 Checking online. As discussed during our call, I wanted to follow up. 

After reaching out to our Technology Team, they discovered that you 're using an unsupported browser for the best experience when opening an account. Below is a list of supported browsers. 

Google Chrome : 55 Mozilla Firefox : 50 Internet Explorer : 11 Safari : 10 Chrome Mobile : 54 iPhone iOS : 10 iPad iOS : 10 If you have any questions pertaining to this letter, please give me a call at XXXX. I 'm generally available from XXXX to XXXX CT, Monday through Friday. 

Thanks, XXXX Office of the President Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting inaccurate information on XXXX collection accounts ; XXXX account # XXXX and XXXX. They are showing as if they are new collections and they are not. This is affecting my credit scores negatively. Account XXXX was last paid on XX/XX/XXXX. Account XXXX was last paid on XX/XX/XXXX. These errors need to be corrected immediately or the accounts deleted off my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've personally written numerous letters to this company and all XXXX credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my XXXX XXXX and my quality of life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive repeated phone calls throughout the day from Transunion for a debt that was paid in XXXX. I personally spoke to a representative and so did the doctor 's office to tell them the debt had been settled. This was in XXXX. I have received at least one call almost each day, and other days there are 3-5 calls. I have not received any statements of said debt, so I have reason to believe they are harassing 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 2017-10-10
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX was a victim of fraud by XXXX XXXX XXXX XXXX Company No : XXXX ( SRA ID : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX. 

XXXX XXXX was scammed out of XXXX while helping a business associate pay what was believed to be legal retainer fees in return for an Investment Loan in the amount of {$75.00} XXXX. 

XXXX XXXX XXXX XXXX was represented by a person named XXXX XXXX who had advised the business client ( XXXX XXXX of XXXX, TX ) who was supposed to get the investment loan that she could not get the loan unless she paid retainer fees for the loan. XXXX XXXX did not have the funds to pay for the fees ; XXXX XXXX said he was representing the investment firm ( XXXX XXXX XXXX ) who also turned out to be a scam. 

XXXX XXXX made two wire payments onXX/XX/XXXX andXX/XX/XXXX to the " law firm '', but realized shortly that the loan and persons representing the investor and the investment company itself were all fraudulent and of XXXX decent. The money was intercepted through a XXXX XXXX XXXX bank account, but XXXX XXXX has not addressed the issue based on recoup of funds with XXXX XXXX ' bank US Bank. 

No one benefited from the scam as there was no collusion with the thieves who intercepted the funds from the XXXX account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX SORT CODE : XXXX ACCOUNT NUMBER/IBAN : XXXX ACCOUNT NAME : 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 2021-08-09
Company: ERC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I rec 'd a letter from ERC - Enhanced Recovery Company , LLC stating they were authorized to contact me by XXXX XXXX to get payment for a XXXX XXXX purchase for {$140.00}. They, too, threatened to report my account delinquent to the credit bureau. 
I called the number and it was a virtual response. All they wanted was my credit card. 

I wrote them back that I have never been a XXXX XXXX customer and to please submit the billing/documentation that shows an invoice for me before I report them to the FTC/XXXX for harassment. 
I sent the letter back certified mail with return receipt. 

Yesterday<XXXX> I rec 'd another letter, stating they were responding with a document that referenced my account. The letter was from XXXX XXXX, Sr. VP of Operations XXXX The person 's name is my name, but the address is a New Jersey address. NOT ME. 

Enhanced Recovery Company LLC XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXXXXXX XXXX XXXX is reporting an account fraudulently obtained by another individual to my credit report.

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 2021-08-09
Company: EQUIFAX, INC.
State: AZ
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:
XXXXXXXX XXXX XXXX is reporting an account fraudulently obtained by another individual to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
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 have recently disputed the following accounts with XXXX and requested validated proof of collection accounts or " remove '' from my credit report. XXXX is to make sure or demonstrate that ( something XXXX is true, accurate, or justified. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX I have sent these letters with return receipt attached and have verified that they have received my request for complete removal of these account. They have ignored my dispute requests and instead of make sure this information is 100 % accurate, they have violated the law by continuing to report these accounts as " accurate '' with NO proof. 

I even called on XXXX/XXXX/XXXX and spoke with XXXX male representatives who were completely rude and even told me that the FCRA doesnt require them to get any proof of re-disputed accounts if requested by consumer. XXXX, whom i spoke with first, told me that he didnt care what FCRA laws I was reciting, and he laughed and when I asked to speak with supervisor he hung up on me which prompted a XXXX call. When i called back i reached another agent who at first seemed professional but tried extremely hard to get me off the phone. When I asked why had n't i received any validated proof yet these accounts still remained, he said he didnt have them, but they conducted investigation and all they needed was a response from company stating that information was " correct '' with no valid physical proof. 

I disagree with Experian and how they have conducted my countless disputes to rectify this issue that has caused me and my family such hardship. Experian has displayed such poor procedure and policy to insure maximum accuracy within my credit report yet the law is crystal clear as to there legal obligation to remove such accounts that can not be verified.

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 2021-08-09
Company: EQUIFAX, 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:
I reached out to Equifax on XX/XX/2021, and requested that they remove the inquiries on my account because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove those inquiries. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that Equifax was in violation of a United States Code and was told that I needed to contact the individual companies to request removal.

Equifax is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions 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:
The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.

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 2021-08-09
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2015-10-14
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX I set up a joint account for my mother and I. We needed a way to share funds because we are purchasing a house together. I signed up for an account online. I received an email stating I needed to send a bank statement to verify my identity, so I sent XXXX. I later received a call saying that was n't good enough because they tried calling my credit union to verify my information but the credit union would n't share information. Why call my credit union when everyone knows they 're not going to give out my information? Why ever ask for the bank statement in the first place if the statement itself was n't enough? 

So then they asked for more information. I clearly explained to the person on the phone that I was at a new address and did not have any bills at the new address yet and my license still had my old address. He said I could send a copy of my license and a copy of a bill for the current address with my roommate 's info and that would be sufficient. I sent XXXX items and did not get a request for any additional information. 

Then last week I got a check in the mail for my account balance and notification that my account was closed. When I called to find out why, they said the information was not sufficient. I asked why and they could not explain why because the notes did n't have any details. Then they said they could reopen the account. So I waited for a personal banker to get on the line, we went through my request, and they said I would be contacted within 1-2 days to let me know what information they needed to finish reopening the account. 

A week later I had n't heard from anything so I called back. After 10 minutes on the phone, someone finally said that I could not reopen an account that had been opened online. Why was I told differently the previous week? Why did I waste a week waiting for a phone call that was never going to come? They want me to start the process all over without being able to explain to me why the previous documents were not enough and what I can do differently to make sure the account opens correctly. They want me to risk wasting a bunch of time trying to open this account again. I have now wasted a month and a half trying to set up an account. A month and a half I could have been progressing on the house purchasing process. And all because Citi ca n't figure out what documents they want and how to do basic communication with a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Experain request that they provide me with " The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with and The documentation used to verify the dispute '' they have not honor the request as they continue to be in Violation of the FDCPA 807. False or misleading representations

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 2021-08-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2016-08-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
QVC XXXX XXXX, I never gave permission to discuss Employees told XXXX different family members exactly what and how much I owed on easy payments, some things which were returned even do not owe.That is in collections at this time.Even credit and debit cards which was used.One was daughter in law, other my ex.Totaling XXXX is personnel information. Given out XXXX is invasion of my privacy.

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 2017-10-10
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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 have sent multiple letters and XXXX  has still not responded with the information I requested. And they are still showing inaccurate information on my report.

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