BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Verisk Analytics Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company is stating that they are verifying/researching information about a bankruptcy to XXXX services ( please see attached where XXXX shows verified as accurate ). It is impossible to verify the information as the bankruptcy court does not verify the information ( see attached letter from bankruptcy court ). They are pulling there " verified '' from public records which have errors and can not be verified in this situation ( please see the attached letter from LCI ). Per the fair credit reporting act all information has to be able to be verified or needs to be removed from there system. Since they provide the information to XXXX and are certifying that it is correct, this is a breach of the reporting act and a blatant lie. This is not the first time they have been caught. Refer to cases : Legrand v. IntelliCorp Records , Inc., No. 15-cv-2091 ( N.D. Ohio ) - an FCRA class action Roe v. IntelliCorp Records , Inc. , 12-cv-2288 ( N.D. Ohio ) - an action alleging violations of FCRA sections 1681k and 1681 ( e ) ( b ) Also please see attached from XXXX XXXX that they removed said bankruptcy as they are unable to verify that it is correct on the public records

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX has illegally received over XXXX inquiries of my personal credit file. Someone with the company told me they have a trigger on my credit file, every time I apply for credit they call me. Experian took the inquires of my file more than 5 times and they have been peeping again. XXXX, XXXX, and XXXX. Last time removed was XXXX this year, I was told they were blocking them for good. Was on vacation this summer, this problem delay a instant request for my line of credit. Also the last person called me was rude and scary. DO NOT OWE THEM

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy.

1. ( XXXX XXXX XXXX XXXX XXXX Account # : XXXX This account contains incorrect information in regard to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof 2. ( XXXX XXXX XXXX XXXX XXXX XXXX This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SYNCHRONY FINANCIAL
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:
Disputing a Charge for Bad Service at CareCredit SYNCHRONY BANK. Charge of {$740.00} on the date of XX/XX/XXXX plus fees getting in a total of {$1200.00} on XX/XX/XXXX. 
I called many times. I disputed the charge and the service many times. 
I already complained at creditcare many times about what happened. But all I had to deal with were some inappropriate questions, for example, if I tried to return the service? What? That is even a question for who got a service and not a product? Who returns services? I had to ask many times if the attendant remembered we were talking about a dentist service and not about a product. 
The questions kept on this level, like, did you use the service? 
I had to use a lot of my patience with these questions. 
The person was completely ignoring how I was treated at the dentist, how I didn't like what happened, and how the office was anti ethic and unprofessional. 
I went to this dentist for a {$39.00} service ( now day {$59.00} ). 
These back and forth calls wasted so much time of my life. 
Today I did my last call. I was on call for 45 minutes and I still didn't get any solution. All they did was trying to make me uncomfortable, keeping me in long holds, and embaracing me calling me delinquent. I am so tired and frustrated.

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 2019-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Capital One purchased my Walmart account from XXXX XXXX, sent me a new card and advised that I would earn 5 % on purchases until XX/XX/XXXX. When I went to activate card they told since I was an existing customer I did'nt qualify. I declined to activate and requested the account be closed. THEY NOT ONLY CLOSED THAT ACCOUNT, THEY REMOVED MY ENTIRE 15 YEAR PRIOR HISTORY ( see bureau ) I have sent all bureaus copies of this. Since my complaint they have added 15 different remarks to my bureau in an attempt to intimidate me. If you look at my bureau you will see this is an obvious assault on the elderly. They put incorrect information in the bureau daily to change my credit score. I have printed documentation that I will gladly send to you They have nothing to do with my prior history with Walmart ( 15 yrs perfect pay ) so0 what gives them the right to remove this positive info from my account. Why put 15 remarks on my account?, why enter one day a {$5.00} account that does'nt exist then the next day add {$300.00} to it? This is bogus. I XXXX XXXX a Capital One employee and this is their way off showing me the power they have. This needs to be corrected> Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was amazed when I viewed my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.

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 2021-10-29
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft : The following hard inquiries listed on my XXXX, Equifax and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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: Account information incorrect

Complaint:
I have excellent credit.  XXXX   XXXX  inquiry should be removed    XXXX    2017   . Still appears according to my credit card company. Removing it would cause my score to increase  XXXX  to  XXXX  points. Tried to access report #  XXXX  online to dispute. Could not.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was no longer able to participate in IBR, however the other loan payments I make in a month total almost {$600.00}. I have had to put my loan in forbearance for the past two years as I can not afford to make those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attatched XX/XX/XXXX letter to Equifax requesting WRITTEN DOCUMENTATION TO VERIFY PURCHASES * MADE BY ME MY IP ADDRESS SIGNATURE TO ACCEPT DELIVERY @ PO OR ORIGINAL * DELIVERY SIGNATURE INTO MY HANDS. see attatched proof of delivery Equifax recieved XX/XX/XXXX. Equifax report cicled XXXX  # XXXX IS RESULT OF ID THEFT see attatched FTC ID THEFT Case XXXX of XX/XX/XXXX. Criminal Investigation Letter XX/XX/XXXX USPS deliveries NOT MADE case XXXX XXXX  ( 5 FIVE ) Replacement cards AFTER FRAUD I REPORTED BEGINNING XX/XX/XXXX see attatched List of thousands of transactions reported to XXXX. See attatched XX/XX/XXXX XXXX  DENIED TO APPROVE MY CLAIM. Emails from XXXX XXXX   BRANCH AVAILABLE DISMISSING ME AFTER A YEAR DISPUTING AT CORPORATE OFFICE TRANSFERRED TO BRANCH. XXXX XXXX REP. see attatched statutes ftc provided with the ID THEFT REPORT. XXXX  IS ILLEGALLY COLLECTING ON ID THEFT. XXXX  DID NOT RESOLVE FRAUD 2 BILLING PERIODS. ** XXXX  REFUSES CLAIM AND STARTS COLLECTION?? XXXX EQUIFAX DID NOT FIX THIS ISSUE CONTINUING INACCURATE CREDIT REPORTING. PLEASE VERIFY WITH ORIGINAL PROOF OF PURCHASE AND DELIVERY ** INTO MY HANDS. 
PROVIDE MY ORIGNAL SIGNATURE OR DELETE IMMEADETLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2022 I sent Equifax  A letter asking for their method of verification for a bankruptcy reporting my report. I ask for all supporting documents From the Furnishers verifying this information from their investigation and The name of the courthouse and the name of the person from courthouse to verify this information. They didnt send me this information I asked for. I will include the letter they sent me back. Please help me get this information from EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been talking to Transunion for 2 weeks now about my credit file being suppressed and its holding me back from starting my job that I desperately need. They refuse to tell you anything over the phone. Ive sent in proof of my identity with a cover letter like they asked for, and still nothing. I never asked for my report to be suppressed and it should be a simple matter of handling this over the phone.

Worst experience dealing with a company that Ive had so far. 
Also when you call in, each employee tells you something different.

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 2022-09-12
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by NCC who is saying I owe XXXX ( never heard of them until now ) {$1.00} and therefore I have to pay {$100.00}. 

I don't owe this company any money. It looks like a scam and I already told them I don't owe any money. They have no proof I owe this company any money. And obviously if I owed a company {$1.00} I could afford to pay it. 

I am afraid this will hurt my credit score though. 

Can you please ensure this false allegation isn't listed on 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 2023-02-22
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:
1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My new  XXXX   XXXX  vehicle became stranded in  XXXX , Florida on Saturday,  XXXX   XXXX ,  2017 . My lease supposedly includes full roadside assistance. When I called roadside assistance I was advised that because my car was physically  off of the road there  would be a {$99.00} charge payable up front  to Mercedes Benz in o rder for them to call a tow/winch service.     I made full payment of {$99.00} by  MasterCard with Co nfirmation Number  XXXX .   
Mercedes Benz called a tow/winch truck after payment. Upon arrival at my vehicle, I was advised that I had to pay an additional {$100.00} in cash plus a significant tip as there was no record of any payment to Mercedes Benz transmitted to the tow/winch service. If I had not had the additional {$100.00} IN CASH, I would still be stranded. The tow/winch service would not accept a credit card payment despite Mercedes Benz assurances that the entire fee was pre-paid as a result of their charge.
Mercedes Benz also gave incorrect and inaccurate information regarding the issue at hand and the remedy needed.
I was more than double charged for an item that should have been included in my regular service. In addition to the {$99.00} charged by Mercedes Benz, the company Mercedes Benz called to actually render the service made me pay a second time in the amount of {$100.00} plus a substantial tip to the driver of the service vehicle to stay and resolve my problem since Mercedes Benz had given wrong information to the service provider hired by Mercedes Benz.
Mercedes Benz knowingly and intentionally obtained funds by credit card by means o  f deceit and fraud in violation of the federal UDAAP statute and the Florida statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: TN
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:
Complaint against : XXXX ; Equifax and XXXX. Each is reporting incorrect information on my account. Combined they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX  XXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX closed my frequent flyer account stating that the miles I obtained from citi credit cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX  miles activity of my CITI cards.

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 2022-09-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two private student loans that have been settled in full with XXXX who continue to inaccurately report their balance and status. I had two XXXX private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. XXXX still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
HarvARD COLLECTIONS ADVISED THEY WOULD DELETE MY COLLECTION IF I PAID THEM {$1700.00}. I BROUGHT THEM CASH AND THEY GAVE ME A DELETION LETTER BUT THE CREDIT BUREAU KEEPS SENDING INFO THROUGH XXXX XXXX ASKING THEM TO VERIFY THIS ACCOUNT SHOULD BE DELETED AND THEY WILL NOT RESPOND. THEY TELL ME THAT XXXX SHOULD CALL THEM. XXXX TELLS ME THAT HARVARD SHOULD CALL THEM TO REMOVE IT. NO ONE WILL PICK UP THE PHONE AND CONFIRM IT NEEDS TO BE REMOVED OR SEND THE INFORMATION THROUGH XXXX XXXX TO CONFIRM IT NEEDS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Sokaogon Finance, Inc.
State: NM
Product: Payday loan
Issue: Can't contact lender

Complaint:
I am working with a credit counseling service to deal with my debt issues. The company, Green Pine Lending, is calling before XXXX local time and is also harassing friends.

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