BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 applied for an increase in the {$600.00} limit on my Citizens Credit Card. The Citizens denial letter listed the reason for denial as : " Due to your recent credit line increase on your account. '' I called and learned this reason was NOT TRUE! The real reason was a " Bureau Score Reason '', i.e. " XXXX payments due on account ''. I told the Citizens agent that I had over {$100000.00} invested with Citizens and had a four-month issue with XXXXXXXX XXXX that I have been challenging but have been unable to receive any acknowledgement from XXXX XXXX . I run the XXXX XXXX XXXX XXXX XXXX and help people XXXX XXXX. They tend to have no credit. In trying to help someone establish credit, I registered with a XXXX XXXX  cashier for XXXX XXXX credit card. I stipulated that the limit would not exceed {$1000.00}. The cashier agree and said absolutely the limit would not exceed {$1000.00}. The person for whom I was establishing credit, was present and is willing to testify to everything I've mentioned. After receiving the XXXX XXXX CC and the person started using it, I learned that not only had XXXXXXXX XXXX unilaterally increased the limit but even allowed charges exceeding their unilaterally increased limit. I have written and used email to communicate with XXXXXXXX XXXX ( including their XXXX XXXX XXXX XXXX ). They mailed me a 12-pagXXXX credit card agreement document which they claimed was the binding contract. Until receiving this document I never saw it nor was it ever referenced during my contact with the XXXXXXXX XXXX cashier. I maintain the original " binding '' contract between me and XXXX XXXX is the agreement reached with the XXXX XXXX rep. ( i.e. their cashier ). XXXXXXXX XXXX  apparently ignores this binding contract. I continue to communicate with them in an effort to deal with the truth of what happened. So far they have continued to ignore the truth and instead rely on a fictional reality that I was given their credit card agreement document when dealing with their cashier, but again this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX who provided a loan of more than $ 100K to purchase a car, file 2 police reports one in XXXX and another one in XXXX  were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXX credit department as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from XXXX letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly XXXX doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that XXXX employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like 10 hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.

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 2023-11-09
Company: LEXISNEXIS
State: CO
Product: Credit reporting 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:
On XXXX, XXXX, XXXX  My attorney and I spoke with Lexis Nexis regarding a bankruptcy that is on my account. We were told by the agent at lexis Nexis that the Colorado bankruptcy court reported to them that I filed bankruptcy. My attorney and I called the Colorado bankruptcy court, requested a copy of their reporting procedures in which they emailed it to us, we forwarded that to lexis Nexis immediately. Lexis Nexis said they would submit a dispute ; we were told to wait XXXX  days for the results. I called back XX/XX/2023, and was told that they completed the request, nothing had changed so they said they would resubmit another dispute in which they did. I was told to call back on XX/XX/2023, and was told the request was completed, nothing had changed again but they would resubmit another dispute again in which they did. On XX/XX/2023, I spoke with lexis Nexis again, they told me to call back because the investigation was not complete so on XXXX my attorney typed up a letter for me to forward to them again. I sent the letter via certified mail in which lexis Nexis received it on XX/XX/2023, and the request for dispute was resubmitted that say, I was told to call back again so on XX/XX/2023, I called again, and one agent told me the bankruptcy was removed from my credit report however, I called back a little later to ask another question and was told that the bankruptcy was not removed. I asked that they confirm that they received the information we have been sending, they did confirm that they received the letter and would submit that letter, along with a copy of my ID, with the copy of the letter of reporting procedures from the Colorado Bankruptcy court was submitted along with a letter from my attorney. Per my attorney 's letter to lexis Nexis he clearly states that they are improperly reporting an alleged public record to the credit bureaus and is clearly not in compliance with recognized XXXX reporting standards and the XXXX as well as the FCRA regulations. I spoke with lexis Nexis today and they just keep asking me to resubmit another dispute. So, I am asking you to please help me with this so I can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX found out name was breached in XXXX Data Breach. I notified the credit bureaus, FTC ID Theft Affidavit was filed and was given a claim of the Breach. 

I sent out letters XX/XX/XXXX and to dispute the erroneous accounts, addresses, and names that proves it not mine and requested investigations and verify that all info on my report are correct and accurate. 
According 15 USC 1681i, everything must investigated in 30 days and with verifiable and accurate info. XXXX and Transunion has violated my rights by simply not even investigating the errors. They also did not add that the accounts were in dispute. This is another violation of my rights. 
Transunion and XXXX deleted XXXX XXXX  account but illegally put back on the same disputed account with a new number. 
I have attached the FTC AFFIDAVIT that was filed in XXXX along with the new Affidavit showing the illegality of the XXXX. 
XXXX XXXX XXXX ND XXXX is commercial building, XXXX XXXX ND XXXX has three different variations of same address for abandon building. 
There still 20 variations of my name and 10 diffrent addresses. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Delete these errors and accounts that are not mine or I will want monetary compensation for my violating rights also discrimination due to my age and fraud.

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 2023-05-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute for an item I purchased from Amazon, returned, and was never credited for. Chase card services requested a copy of the drop off receipt, which I provided that included the reference number for the return code provided to me by Amazon.

Chase informed me they were cancelling the dispute due to the weight of the item on the receipt not matching the weight of the item returned and advised me to return to the XXXX store where I completed the return. 
I immediately went to the store, and was advised by the store manager that PER Amazon 's Terms and Conditions they are not required to weigh returns and she confirmed that I did in fact drop off the item, and her team member confirmed that my return code matched the receipt in hand and that was my proof of return.

Chase informed me I had to resubmit all of this information for them to reconsider the disupute. I have submitted this information twice and Chase is not responding to this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Rev Now is a debt collector for XXXX XXXX. I have documentation that they called me over 100 times within a month. In addition, they place three calls within an hour from different representatives. We have partnered with XXXX XXXX to help us through our financial hardship and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi Im having a lot of trouble trying to get a lil bit of help I am going thru hard times right now I got XXXX I am not working and I was just trying to get a lil something at least and nothing is letting me I been working since XXXX under my social and never took anything out besides my XXXX XXXX XXXX XXXX  that XXXX qualified me about XXXX and a half I got it on payments I put a XXXX dollar down i just need some help I even tried getting a loan and everything tell me the same Danm thing Im going to try a loan in person I need help asap Im XXXX I have pics of my XXXX checks if you need a picture just lmk Ill provide for you well what else can I say hopefully Im Abel to get sum help in person my phone # is XXXX contact me Ill be glad to provide anything for sum help thank you god bless you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: NAVY FEDERAL CREDIT UNION
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:
There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with Navy Federal Credit Union XXXX Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Navy Federal Credit Union Home Loan ) making the report is not included on my consumer report. Navy Federal Credit Union, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Their investigation did not fix an error on your report

Complaint:
I have lodged disputes with XXXX XXXX, One Main Financial and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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:
Hello My name Is XXXX XXXX XXXX XXXX. I have a XXXX XXXX account # XXXX Date open XX/XX/2016... This account is Paid Closed. Paid As Agreed. This is incorrect This account should say Paid Closed /Paid As Agreed/ NEVERLATE. and it should reflect that on my Transunion credit report. My next step is to take legal action against Transunion. for not change the status. Thank you for any help in this serious 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 non-monetary relief
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NC
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:
The below accounts are being reported in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$210.00} Account # : XXXX XXXXI ( Original Creditor : XXXX XXXX ) - {$1700.00} Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - {$490.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$71.00} Account # : XXXX *XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) - {$920.00} Account # : XXXX *XXXXI - {$1700.00} Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : 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 2022-03-30
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-11-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Date XX/XX/2020 amount XXXX $ converted to XXXX XXXX  I had purchase this serviced supposedly I was getting and I been wanted to get my money back and the seller doesnt want to give it back she said she doesnt have it so I dont know where my money is at so I want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions 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:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX**** ; XXXX/XXXX XXXX**** ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX**** ; XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ) XXXX**** and 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am saddened with the result that I got when I saw my credit report. I send many dispute and still you cant remove the inaccurate information. The furnisher failed to send me a proof to support their claim on status of these accounts and yet you guys are able to verify your account? How can you verify these accounts? How can you verify these when the furnisher cant? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress