BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$2100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Franklin Collection Service, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
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: Account status incorrect

Complaint:
This account is still reporting invalid on my credit report they will not update it with the correct information because its listed as a closed account, when I call and ask them to please correct the invalid information on the closed account they try to tell me that because the account is in a closed status that it doesn't matter about the way it's reporting but yes it does cause its still affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX of ERS XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm six months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello..Ive consistently sent letters and have gotten no response, Im concerned about invalid items/inaccuracies on my credit report with all 3 bureaus pertaining to Midland Credit Management.Im under stress after seeing this problem on my report as it is disrupting my livelihood due to the adverse impact its causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After submitting a complaint when the company incorrectly drafted my payment on the incorrect date, the company has now retaliated by locking me out of my online account. I have no access to my payment history, my statements, or my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One/XXXX is reporting to XXXX that I had a 120 + late payment back in XXXX 2009 which is false that account was always paid ontime. Recently after disputing the information with XXXX Capital OneXXXX updated that the account had a positive revolving history to XXXX and XXXX but not to XXXX. This is negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Police report was obtained with someone commiting identity theft on several accounts. Remove all iems from 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 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After requesting valid documentations about 12 HARD INQUIRIES ON MY CREDIT REPORT, I notice that TransUnion credit report agency violate my rights and section # 604 and # 609 on the FCRA, not providing me with any valid and legit documentation and maybe using the E-OSCAR system in my dispute. " E-OSCAR SYSTEM '' IS AUTOMATIC VERYFING AN ACCOUNT AS LEGIT WITH OUT MAKING A FULL INVESTIGATION AND NOT CONTACTING THE CREDITORS TO OPTAIN VALID DOCUMENTATION

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 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a ten year patron of Capital One..in the past they have let me lower my interest rates.

I called today and was meant with a from no. They representative told me that the company no longer lowers credit interest rates. I was informed I would need to cancel my card ( which would negatively impact my credit score ) and apply again.

This is such a scam. Purposefully making people close an account to lower their score in order to receive a slightly better interest rate?? This seem like they are purposely trying to worsen your score so they can profit.

Many other companies allow you to lower so long as you're a good customer and have a good credit score.

This is so upsetting as I will have to look for another card if this company forces me to cancel due to astronomical interest rate. I was never formally informed of this change in policy either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Focus Holding Company
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive calls from Focus Receivables Management on a daily basis attempting to collect a debt that is owed by another person, one I have never had a relationship with. The automated message asks me to call at XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Paramount Recovery Systems, L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: MS
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:
EQUIFAX is reporting an incorrect BALANCE on my XXXX credit card and an INCORRECT CREDIT LIMIT on my XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This is both a billing and customer service issue. First let me state that the BBB gives a name of XXXX XXXX with a number of XXXX, with no access code, luckily I had XXXX. When you ask for the name provided then a rep tells you that " she is unavailable, but then continues to probe you for info. To me this is a clear indication that she is, but they just wo n't put her on the phone. So for that I am also reporting this company to the FTC. 
My New issue is that Capital one credited me XXXX do to an error on their end XXXX they passed the blame off to XXXX XXXX XXXX, but the XXXX only covered the XXXX plus XXXX late fees and not the interest I ws promised. i called in yesterday, spoke with a supervisor who fixed that issue just fine. I told her I had just made a payment of XXXX via XXXX Saturday and that I will call back with the reference number, so that they could verify and release the funds unto my account. I called back in with the reference # but they stated that because my account was " past due '' and " in collections '' that they could not. My account should have never been placed in that status because it was in dispute and accoding to the FDCPA If, within thirty days after receiving written notice of the debt from the debt collector, you contact the company stating that you do not owe the money, the debt collector must stop contacting you. The debt collector may renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount claimed by the creditor. And that until proof is given I am NOT required to make payment. 
Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to {$1000.00}. You may also be able to recover court costs and attorney fees. I am hoping that it will not come to this, but you will not violate my FDCPA Rights, you will not hold my hard earned money and you will not disrespect me Capital ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. There was another collection agency before this one to which I disputed and was deleted ... .This collection agency has not proved this account is mine. 

They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-28
Company: EQUIFAX, INC.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
When Capital One Bank receives funds by EFT, it refuses to make those funds available for 5 business days. I know that such delays are intended to protect them if the funds are not honored by the source financial institution. That makes some sense for a check, but not for an EFT, unless Capital One can make a case that the source bank creates EFTs without underlying funds, which seems preposterous. Some banks other than Capital One have no such delays for EFTs ; some others I know have delays of a day or two.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am an identity theft victim ; credit bureaus, XXXX and NCTUE are not clearing the fraudulent information from my history. Has been XXXX months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: CBC Credit Services, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 69 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 69 days so they should be deleted promptly.

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 2021-03-13
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I the original creditor ( XXXX ), am in battle with the stated third party debt collectors, stating I owe an alleged debts with them, and that they have validated and verified the debts. This is a a false and misleading statement as third party debt collectors can not furnish my information, and no right to state I owe a debt. I with proof and factual evidence can show that these entities did indeed violate federally mandated laws. XXXX I am seeking monetary relief for these violations as stated by 15 USC 1692k ( a ) ***** in the amount of {$1000.00} per violation. **15 USC 1692 ( B ) **, **15 USC 1692A** , **15 USC 1692B, B ( 2 ) **, **15 USC 1692C ( A ) **, **15 USC 1692D ( 1 ) ** , **15 USC 1692E**, **15 USC 1692E ( 2 ) ( 6 ) ( 14 ) **, **15 USC 1692F ( 1 ) **, **15 USC 1692G** , **15 USC 1692J ( A ) ( B ) *** to name the most obvious. ****15 USC 1692L ( a ) the FTC has full and legal capabilities of enforcing, and ensuring compliance of debt collectors*****. Hold these entities accountable by protecting my rights to collect for these violations {$14000.00} payable to me from each person ( s ) by check within 7 business days of receiving this complaint or face further violations and civil actions.

Third-party debt collector ( s ) are as followed : *XXXX XXXX is truthfully a third-party debt collector with no rights. 

*American Collections is truthfully a third-party debt collector with no rights. 

XXXXl is truthfully a third-party debt collector with no rights. 

*XXXX XXXX XXXX  is truthfully a third-party debt collector with no rights. 

XXXX XXXX XXXX  is truthfully a third-party debt collector with no rights.

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 2021-03-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After being a ten plus year customer with Citibank I had discovered that XXXX was owed to me for Fraudulent charges that someone hacked my account with Citibank and over s year was paying a XXXX XXXX credit card and doing other debits under my checking and routing number with my name and information. I filed proof and a police report to show I had no affiliation with these charges. I appealed twice with my proof and Citibank caused me to have financial hardship during the covid 19 pandemic and I feel that I have been discriminated against and have no power to have a honest chance to refute this matter.

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.

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