BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to settle an account. When speaking with a representative, she said that in order to pay this, she needed updated personal information. She refused to accept payment without a lot personal information that I did not feel comfortable giving. 

Part of the reason she wanted this updated information was because they put this on my credit without notifying me first. She wanted the opportunity to rectify that. The ironic part was that I was trying to settle the debt and she wouldn't allow me to do so.

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 2016-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kohls is bordering on harassment calling me 6\7 times a day. They want me too pay for a mistake that a worker made with my credit and now they want me to pay for that mistake. Well I 'm not paying for someone else 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: OH
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/XXXX, Experian has not explained why I learned from lead supervisor of XXXXXXXX XXXX  XXXX, XXXX XXXX that he spoke with Experian Rep XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that Experian had " purged '' my account from Experian 's database which is a direct contradiction to Experian 's response dated XX/XX/XXXX and to their response XX/XX/XXXX that does not acknowledge this issue - " purged. '' I have had this mortgage since XXXX almost 20 YEARS. This does not make sense. 

I did not ask to have my mortgage file purged from Experian, and XXXX said they did not ask to have their trade line purged from my account. 

Why did Experian " purge '' my mortgage credit history? My mortgage credit history is on all the other credit bureaus? 

I do not need a report mailed to me in 10 days that does NOT include my mortgage history. I already have a credit report sent to from Experian that is incomplete in XXXX. I am getting terrible and dishonest service. 

Experian has provided form response that does NOT answer the question or lead to a fair resolution. 

Why was my mortgage history purged from my credit report by Experian? This history is the most significant one to my credit score and credit worthiness.

Who authorized this kind of action against me and why? I have spoken to many Experian representatives over the past few months and not one has told me the truth. 

They kept saying that they were not getting a report from XXXX XXXX XXXX XXXX XXXX and nothing about having deleted their trade line from my credit file. They gave me a number for XXXX to call XXXX and no one answers this number for the BUSINESS side. It rings and rings. XXXX XXXX had to send an email and he reached XXXX who opened a file to address the concerns to find a 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 explanation
Consumer complaint received 2022-08-24
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ran my credit and saw varied amounts being reported. XXXX to XXXX and XXXX to XXXX. I was able to dispute through XXXX and XXXX, however XXXX when they investigated removed. XXXX stated that they are now reporting a credit date of 2018 and a balance of XXXX. When I called Jefferson Capital Systems who is reporting the debt they advised after verification of my identity they can't and won't provide me any details about my amount owed, or why its owed unless I pay them to check my credit reports. I refused to pay them money to check my credit and requested balance of reported collections and why. I advised them I have had identity theft from the 2018 questioned year and need to find out where this balance is coming from ... they again refused to tell me information unless I paid them a XXXX and allowed them to run my credit. This is not legal and needs to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen 2 years ago and several accounts where open in my name I have no knowledge of the accounts. All fraud navy federal account is fraud, XXXX XXXX account is fraud. XXXX account is fraud and there are several others I have no credit card or debt. My score was originally XXXX now is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Credit Fresh Holdings Inc
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They offered me a settlement and stated that I had till XX/XX/2022 to reply or they will report to the XXXX. Well, I replied before the date and they still reported me as being negative and my score went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: PA
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:
Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. The dates I've disputed are as follows : XXXX XXXX XXXX
No action was taken by the credit bureaus. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF EDXXXXL ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX has violated my rights.

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 states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX has violated my rights. 

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.

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 2022-08-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Old information reappears or never goes away

Complaint:
I was denied credit for due to a collections account that was removed from my credit record. 

Any collections that appeared on your report in the last 24 months are considered derogatory regardless of whether they were yours or not - XXXX representative I believe this is illegal. Not sure if am filling the complaint with the right agency though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-08-24
Company: KeyBridge Medical Revenue Management
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In Accordance with the fair credit reporting act XXXX  has violated my rights.

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 2022-08-24
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: Investigation took more than 30 days

Complaint:
I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.

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 2022-09-30
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 {$190.00} Payment delinquency notice. ( credit card ) the XX/XX/2022 I received a call from XXXX XXXX Bank " XXXX XXXX ", the message on my voice machine wasn't clear so I call the branch the XXXX and they told me nobody call me. They didn't tried to rich me out. 


XX/XX/2022 I receive a letter " right cure " for miss payment " one credit card. " I contact my personals banker and manager and they told I didn't pay. 

First of all we set up all my payments in " auto-payments '' Secondly I told them when the credit office call ( I didn't know was the credit department ) I call the branch but no one in the branch was able to tell me my due payments. 

Of course I pay my debt, ( It is no the problem ) but they have not right to report on my credit score and lower my credit card limit. They said it's my fault ; it's not because I email back when I received the voice message.

Moreover the manger didn't care when I tried to tell them I file the complain office and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: PA
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 am a Consumer and I notice a few Consumer Violations on my Consumer report that I would like remove. My Right to Privacy has been Violated, I never consented to no one to furnish anything on my Consumer report. And I did not give anyone Permission to use my Non Public Personal Information for anything. Attached you will find a list of all said Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NY
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 am, XXXX XXXX, submitting this complaint against Equifax Information Services XXXX Inc and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX ( CLOSED ) XXXX  ( CLOSED ) XXXX XXXX  ( CLOSED ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( CLOSED ) Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called TransUnion and they told me they will remove it again but nothing has been done. Please remove the collection account from 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 explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: VA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 explanation
Consumer complaint received 2022-08-03
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:
Dated on XX/XX/2022 CFPB Complaint XXXX Experian Information Solutions Inc stated we contacted the data furnisher ( s ) for the account you have disputed and asked them to verify the accuracy of the information with which you disagree. They had responded and verified that the disputed account was accurate as reported. 
However, I, XXXX XXXX, Consumer, am aware that Experian Information Solutions Inc ( Experian ) is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code.

Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Experian ) to prove with documentary evidence that ( Experian ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ). Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

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