BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I called Experian and asked if they had received my letter regarding unknown items that did n't belong to me at first the representative said no we can not find your file and and we did n't receive anything and that I need to send them a copy of my drivers license and utility bill with social security card. I sent them this information over a month ago and they still never sent any correspondence that they had received it but I am aware that they did because it was sent certified mail and it was tracked when they signed for it. After I told the representative this he transferred me to another person named XXXX from the XXXX team and XXXX would n't give me his last name or supervisors name and he told me that there was no file number for my report. I asked him for the file number so that they wo n't have any issues finding my file if I need to contact them again but he said there was n't XXXX but how can that be if he found my credit report and told me it 's being reviewed. I asked XXXX from the Alpha team to send me a copy of my report because I believe there are items on it that do n't belong to me because of identity theft and at first he said he could n't because it 's under investigation and then I told him I read according to the Fair Credit Reporting Act you must send the consumer a copy of their credit report anytime they have become a victim of identity theft then he said he will send it within XXXX10 business days. If I 'm not mistaken the FCRA says that a credit bureau must respond with 5 days after they have been notified of the identity theft fraud on a consumers credit report they have failed to do so. I am well within my legal parameters to file a civil suit against Experian and name XXXX from the XXXX team in it also. We spoke on XXXX at XXXX The items on my report that are n't mine and came from a direct result of identity theft need to be deleted from Experian. Here they are below. 
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 non-monetary relief
Consumer complaint received 2015-10-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX WA XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: NCB Management Services 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: Account information incorrect

Complaint:
I have made several requests to obtain debt repayment contracts from NCB Management Services Inc . They have not provided me with a SIGNED and dated contract between myself and NCB Management Services. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In XXXX 2016, I applied for a credit card from XXXX and was denied based upon my Experian credit report. In XXXX 2016, I requested Experian send me a copy of my credit report and Experian refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An account was fraudulently placed on my credit file by Experian. below is the account information i have requested a proper verification several times from experian to prove that the account is mine OR ELSE LET THEM DELETE IT, each time there response will be account validated without no proof for me. 

ACCEPTANCE NOW ACC # XXXX DATE OPENED XX/XX/2013

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 2015-12-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian continues to indicate that XXXX County lien XXXX was paid. IT WAS NOT PAID. Instead, the lien was filed in error by the State of Alabama and eventually canceled. However, Experian refuses to correct the reporting despite multiple submission of documents indicating the correct status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I pulled all XXXX of my credit reports and My first mortgage with XXXX acct ending in XXXX is listed as well as my XXXX mortgage with XXXX XXXX XXXX Bank acct XXXX as being charged off on my Bankruptcy case # XXXX NVA dated XXXX 2009. I have never had any mortgage on my bankruptcy. I have contacted all XXXX and they have not removed this false information my mortgages are current and in good standing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: Marlette Funding, LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan I took out with Best Egg. Every time I login to check a balance or see activity they have denied me access to it from the beginning even though I have never been delinquent. When I have repeatedly made the request to have it available to me online when I log in -- they always give me the excuse that they can not post the information online because it is a privacy issue. The only hope I have of even getting close to getting a statement is by looking at the payoff balance which they tell me is subject to change at any time. I have access to all my daily activity reports and statements with all my financial institutions. There is no excuse for telling me that I can not see any statements online. I believe that they are withholding information that they do not want me to have access to. If so, I will apply for another loan elsewhere and close this one out but right now, I have not seen anything approximating an accurate or up to date statement. My sense is that they are scamming me somewhere in the process.

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 2017-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Collection is being reported that was paid to the original creditor. I have had no contact with the collection agency prior to the debt being paid to the creditor. They refuse to remove it 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 non-monetary relief
Consumer complaint received 2015-12-09
Company: DISCOVER BANK
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice this year from the IRS stating that Discover sent them a XXXX for an old collection where pmts had not been made since XX/XX/XXXX. I did not settle this debt nor did I receive a XXXX from the to file on my XX/XX/XXXX taxes. Also, Discover still shows that I owe the full amount of this debt as a collection on my credit report and is still updating with no mention of settlement for less than balance. The IRS says I owe them {$1000.00} and wants me to consent to changing my return. This debt has exceeded the Statute of Limitations and is set to be removed from my credit report XX/XX/XXXX. I have disputed this with the IRS and sent them a copy of my credit report showing this but they just keep sending me the same letter. I think it is wrong for them to side with Discover. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have stated that I am a victim of an identity theft, and the alleged fraudulent account that XXXX XXXX is attempting to collect the debt from me is not my account. 
I have submitted a following documents to XXXX XXXX back in XX/XX/2020. Please cease XXXX XXXX attempt to collect the debt is not mine and fraudulent. 
1. PERSONAL IDENTIFICATIONS 2. FTC IDENTITY THEFT REPORT 3. POLICE REPORT 4. FCRA SECTION 609E 5. FCRA SECTION 605b Also, XXXX XXXX failed to provide me with the following documents that I have requested on the date of XX/XX/2020. XXXX XXXX has to validate and verify that the account is mine if XXXX XXXX want to collect any alleged debt. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications A sworn statement from the person who witnessed myself applying for this account Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked Discover to validate the dept. they claim I own with proof baring my signature 'from a transaction or application '' they failed as well did n't follow rules and place a note the account was in dispute with credit agency 's even unto the court date, they still have n't verified or placed the notes in dispute as by law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX my account was reported late I had spoken with a representative on XX/XX/XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped XXXX points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX XXXX : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a single mother. This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX 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 2015-04-17
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Discover Card is charging me {$41.00} for a magazine subscription I never ordered. I contacted Discover and finally they claimed to have found in my favor and would take the charge off the card. Then a month later, they reversed their decision and tried to charge me again. I contacted them again and they took it off the credit card. Yesterday I got a letter saying they are charging me the {$41.00} again. This is a fraudulent charge and Discover will not take it off the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I RECEIVED A LETTER FROM A COLLECTION AGENCY NAMED N.A.R.INC. FOR AN OUTSTANDING DEBT TO XXXX. I DID USE XXXX ON XXXX/XXXX/2012 WHICH I PAID IN FULL AT TIME OF SERVICE. I HAVE RECEIVED NO BILL OR PHONE JUST XXXX DAY I GOT A BILL SAYING I OWE XXXX DOLLARS TO N.A.R. SINCE THEN MY CREDIT SCORE HAS DROPPED FROM A XXXX TO A XXXX FOR A DEBT I DO NOT OWE. I GET NO RESPONSE FROM XXXX. THIS IS RIDICULOUS A COMPANY CAN RUIN MY CREDIT FOR A DEBT WHICH IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying to dispute a hard inquiry from XXXX XXXX since XXXX 2015. I did not authorize XXXX XXXX to do a hard inquiry on my report. I have contacted XXXX XXXX and even provided proof that the hard inquiry was not authorized by me and should not have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Case Number # XXXX XXXX. Well back on XX/XX/XXXX I sent a letter to the Bankruptcy Courts telling them I recently disputed information that was on my credit report that is not reporting accurately. They stated that they have verified the information, and have informed me i need to contact the Furnisher of the information. So I requested that they send me their procedure for verifying information with the credit bureaus. Per the FCRA623 ( a ) ( 5 ) : '' If the Credit Bureau can not Validate the information with the Original Creditor, they must remove said information from the consumer credit file ''. On XX/XX/XXXX the Courts mailed me a letter which emphatically stated that they do Not provide any information to credit reporting agencies, nor do they validate and/or confirm public records. It is the Credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is Never validated by the Recorder of Deeds nor the U.S. Courts system due to the Fair Credit Reporting Act do to PRIVACY LAW. My inquiry to the U.S. Bankruptcy Courts confirmed the Equifax Credit Bureau has Never validated or verified these public records entries on my credit report, neither will they ever be by them. On XX/XX/XXXX I wrote a letter to XXXX with the same information from the courts. On XX/XX/XXXX XXXX wrote back that they deleted from my file case # XXXX, so I wrote Equifax, XXXX and XXXX that XXXX XXXX had deleted all and everything with the Bankruptcy on their file. So I disputed it with all XXXX Credit Bureau and they all come by saiding they verified that account with XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1. Defamation, 2. Negligent Enhancement of Identity frauds 3. Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My card was closed because I filed an excessive number of disputes. What would be considered an excessive was never disclosed anywhere. They also said I did n't submit information with disputes, where most of the time I did, but the times I did n't were because I wasnt able to. 

There were also errors made in how they dealt with me asking for information in reguard to a transaction from a merchant. They considered that a dispute and ultimately used that to close my account. And they will not let me reach out to anybody else. 

Please note I have also recorded the call where they admitted all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this debt with Receivables Performance Management, and asked them for information to validate a debt. The information they provided me fell woefully short of what I requested and what is required of them under multiple consumer protection laws. If they are reporting this same information to the credit bureaus, it falls woefully short of what is required of them to report the information under the FCRA. This is the United States of America, I have rights here! HELP ME!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, 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:
I recently pulled up a copy of my credit report to check accuracy, and seen inquiries on there that I did not acknowledge. I am unsure how they were able to pull my credit without my consent.

Company response to consumer: Closed with explanation