BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this complaint is being done on National Credit Adjusters and their illegal tactics to report incosistent and inaccurate information after they verified all reported information as accurate with XXXX  and XXXX. 

XX/XX/XXXX I sent this collection agency a letter asking for verifiable proof on this alleged debt. 

XX/XX/XXXX this agency sent me a correspondence letter along with bills statements claiming that what they provided was proof that they are legally able to collect on this debt. took more than 30 days to recieve this letter. 

fast forward to the present days. XX/XX/XXXX I challenged this account with all 3 bureaus regarding inaccuracies. 

XX/XX/XXXX XXXX  results read the furnisher has verified the reported information as accurate. XX/XX/XXXX XXXX  results read this account was verified as accurate. I have yet to hear from XXXX. 

XX/XX/XXXX I decided to pull my actual credit reports AND a trimerge report from XXXX and noticed that all 3 bureaus are reporting 3 different running of reporting time frames. how is that possible when the furnisher has recently verified and reported that all reported information was accurate? XX/XX/XXXX National credit adjusters recently reported to all 3 bureaus XXXX XXXX and XXXX. 

my XX/XX/XXXX reports read XXXX the estimated month and year this item will be removed is XX/XX/XXXX. 
XXXX  On Record Until XX/XX/XXXX. 
XXXX Date of XXXX deliquency is XX/XX/XXXX putting the removal date to be XX/XX/XXXX. 

this is proof in black and white that this blatant and illegal inaccuracy proves that this furnisher is conducting illegal practices by lying to the consumer reporting agencies that all reported information was accurate. if this furnisher can not even verify/identify the correct running of reporting obsolete time then this is clear indication that this furnisher DOES NOT have all proper documentation to legally collect on this debt no longer. this item is also time barred. national credit adjusters are not complying under the FDCPA and they must be held liable for their illegal practices. I have already placed a complaint on the 3 consumer reporting agencies regarding this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account was opened fraud in my name, fair credit act requires 100 % accurate information

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 2020-12-23
Company: EQUIFAX, 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:
XXXX has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Phoenix Financial Services LLC
State: WY
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:
PHOENIX FINANCIAL SERV at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : PHOENIX FINANCIAL SERV, and PHOENIX FINANCIAL SERVICES, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY. 

MY PREFERRED RESOLUTION WOULD BE TO HAVE THIS ACCOUNT IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was approved for a Capital One credit card almost 60 days ago. 

To date, I have not been able to log in to my account due to technical problems. I have called their customer service department and they were supposed to text me an access code. It was never received. And each time I request one through their website, they do not send one to my home phone. I also had problems activating my card when it first came. I haven't used it to date, so I don't even know if the customer service department properly activated the card. I tried doing it online, and they required me to call them. 

I'm not sure what is going on with their website, but if this is how they conduct business, I don't have a desire to ever use the card.It is important to be able to access the account online and to set up alerts in case the card is ever stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Looking over my Transunion credit report I notice that on XX/XX/2020 the was a hard inquiry for XXXX XXXX. I never requested credit with this company XXXX XXXX XXXX. I sent a mail to both XXXX and Transunion advising that I did not authorize this credit inquiry and to please remove from my credit file.

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 2022-05-06
Company: EQUIFAX, INC.
State: AR
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 looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a previous complaint with CFPB against Discover, complaint # XXXX. 
Discover only addressed part of the complaint on XXXX/XXXX/XXXX and completely ignored the financial compensation request as a result of their admitted negligence, for allowing an invalid fraudulent balance to remain on my account and charge off for years, since XXXX XXXX, XXXX. 
I requested financial compensation totaling {$26000.00} : I lost {$2500.00} as a result of a reduced credit score and loss of lease agreement with XXXX. This forced to use my old vehicle XXXX XXXX XXXX XXXX XXXX as a trade in for a lease on new vehicle instead of selling it privately for {$2500.00} more than the dealer gave me. The reduced credit score caused the dealer to have to re work a deal and i lost the private sale. 
In addition, shortly prior to that, i refinanced my home and this charge off caused my new loan to be increased by at leased {$50.00} a month for 40 years = {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I went to XXXX and borrowered {$30000.00}. They now tell me i owe over {$32000.00} and i had a total balance of over {$55000.00}. There is in no way I ever borrowed that much money as my mother paid for my tuition until the last 18 months of my education. There are XXXX notes which I signed for and they do not total $ XXXX. I consolidated my loans and I want answers. You can not talk to anyone here and you can only email. The website shows payments but, does not indicate a running principal balance to review where we are to keep track of where you on in the repayment process. I have been paying each month with no late payments since I graduated for 2 years now and I owe more than I borrowed. Please have them explain. There was an inquiry at the school about the federal student loans when I went there and now I wonder if I should of looked into this sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX Account has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my rights. 

In 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 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 explanation
Consumer complaint received 2020-04-10
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX {$600.00} Opened XX/XX/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 2022-05-06
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX Account # 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 2019-12-04
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 2017-01-26
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking account with Regions for over 20 years which provided free checks if I maintained the required balance. I call Regions today on XXXX/XXXX/17 and spoke to a manger who advised me they had changed their policy and free checks were no longer available. I reminded him that when I applied for the checking account they stated free checks were part of the package.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
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: Account information incorrect

Complaint:
XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX  # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice

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 2022-09-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act : : XXXX XXXX INQUIRY DATE XX/XX/2020, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX US DEPT ED acct # XXXX XXXX XXXX US DEPT ED acct # XXXX, XXXX XXXX DEPTEDXXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX, DEPTEDXXXX acct # XXXX FRAUD REMOVE 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.

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 2020-04-09
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:
XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida  XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have fraudulent and unauthorized credit inquiries and a account that do n't belong to me. I sent Equifax a copy of a police report from XXXX XXXX Police Department in reference to the unauthorized and fraudulent credit inquiries and account. The police report case number is : XXXX. The following credit inquiries and account are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: SYNCHRONY FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a line of credit with Paypal Credit ( Synchrony Bank ). I had returning an item purchased online, leaving me with a negative balance of {$780.00}, which I requested be sent to my home address as a check. I called Paypal Credit on XX/XX/20 for this check and was told it could take up to 3 weeks to arrive. After not receiving the check, I called back on XX/XX/20 to figure out what was going on. The customer service agent suggested they send out a new check and cancel the first. I agreed and asked that they send it to our XXXX Store box this time to guarantee delivery and avoid any potential theft. They said I needed to wait another 3 weeks for this check, and they refused to expedite it. 

Today is XX/XX/20, and I still do not have my check. When I called back again today, Paypal Credit refused to help resolve the problem in a reasonable manner. Paypal credit refused to expedite another check and kept telling me I need to wait 3 more weeks to get a new check sent. Upon threatening to file formal complaints with federal agencies like this, the account manager from Paypal Credit hung up on me. My Account Activity on Paypal Credit 's website shows them issuing the checks then cancelling the latest one. 

It does not take 3 weeks to print and mail a check, and despite being patient with them this whole time, I still haven't received the check after nearly 2 months. Paypal Credit is trying to get out of returning my money. The chances of 2 consecutive checks just disappearing into thin air is essentially zero. This is clearly a fraudulent tactic to get me to forget about the refund check.

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