BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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:
I disputed account : XXXXXXXX XXXX XXXX Account # XXXX {$1100.00} Reported on XXXX ONLY and XXXX XXXX  Account # XXXX {$110.00} Reported on Experian ONLY Several times. I have NEVER lived at these addresses and this is fraud. After several disputes and myself contacting the company directly the company STILL refuses to send me any information about this account or the debt. Whenever I call they say they are processing this request. How long does it take to process a request more than 6 months, because I have been waiting since the beginning of XXXX for this proof and at this point my credit is suffering because the original creditor is still processing my request to send me any type of information in regards to this debt. Please Delete this account from my XXXX credit report IMMEDIATELY. It should NOT take 9 months to process a request to send me information. The mailing system is NOT that Delayed.

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 2022-10-26
Company: Revolut Technologies Inc.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XXXX, a series of fraudulent transactions were billed to my debit card that drained the balance of my account. I filed a chargeback form with Revolut for all of these fraudulent purchases on the XXXX of XXXX. The first fraud transaction was billed to a small enterprise in XXXX, XXXX. I called the owner of this store who mentioned that a wave of fraudulent transactions with stolen card data was used that day through his e-commerce site. Immediately after this first fraud transaction for about {$6.00}, a series of transactions to XXXX for each XXXX yuan were made every two minutes. I have never been to XXXX or given my card details to anyone. On the XXXX, a transaction to XXXX XXXXXXXX XXXX was made for {$11.00} in the morning. After this payment went through, the same thief from XXXX made another XXXXevery two minutes to drain my account. I will attach my transaction list to this claim. The thief tried to make multiple purchases once my account was empty. 

I filed the chargeback claims with Revolut on the XXXX and the bank is only refunding me for the XXXX, XXXX purchase and the XXXX XXXX XXXX purchases. Revolut claims they found no evidence of fraudulent charges relating to the payments to XXXX. I asked Revolut to provide the documents used to make this decision as the EFTA Regulation E provides that right to consumers. Revolut has refused to give me these documents stating that goes against " regulation ''. 

I am concerned that Revolut failed to run a proper investigation into my fraudulent claims. I believe the EFTA grants me the right to see how Revolut claims the payments were not fraudulent. I am attaching the four documents below : 1. Debit card transaction list detailing fraud claims 2. Revolut 's initial notice stating my chargeback claims were invalid 3. All communications with Revolut 's customer service refusing to provide me the requested documents 4. Revolut 's response to my formal complaint sent to its headquarters asking for the documents I hope you can see from these documents that Revolut is acting unfairly by not explaining how they think the payments to XXXX are valid and issued by me. I have lost over XXXXXXXX XXXX from fraud and hoping to get any of this back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, after I reviewed my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all of the inaccurate addresses that did not belong to me, unfortunately, after 35 days I reviewed my updated Credit Report and I noticed that they updated the address but they did not remove the erroneous information on EXPERIAN and XXXX, so I am now taking the extra step, because I really need these addresses to off of 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 2023-04-13
Company: EQUIFAX, INC.
State: WI
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 account was not opened by me the account was opened and used with a fraudulent bank as well i have a FTC report and a Police report on this matter PLEASE REMOVE THIS ITEM IMIDIATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Harris & Harris, Ltd.
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 2023-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
{$800.00} balance for XXXX XXXX dated XX/XX/2023. 

I have never had XXXX ever. 
I disputed with credit karma and TransUnion, and they say the information reported is correct but that is impossible I have never had XXXX. I asked for proof, and they did not give proof I only wanted to see what they were given that served as enough proof to keep a fraudulent account on my credit report. Please help with this They won't give me any information to use for the court shall the need come. This is the third time I disputed with XXXX XXXX and once with Trans Union.

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 2023-10-16
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2023, I submitted a Notice of Dispute and a Request to Remove Inaccurate Information from my LexisNexis Accurint Report regarding the incorrect Possible Properties Owned by Subject ( XXXX ) to LexisNexis at XXXX ( See attached Supporting Document # XXXX ). On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Possible Properties Owned by Subject that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). On XX/XX/2023, LexisNexis responded to CFBP Complaint # XXXX with an attached letter titled cfpb XXXX XXXX XXXX XXXX XXXX ). LexisNexis ' response failed to address my complaint in any way. LexisNexis ' response addressed an entirely different matter altogether. LexisNexis actual letter was titled Re : CFPB Case # XXXX ( See attached Supporting Document # XXXX ). Interestingly, on XX/XX/2023, LexisNexis responded to a separate CFPB complaint and listed CFPB Case # XXXX in the reference line. However, once again, LexisNexis ' response failed to address the incorrect Possible Properties Owned by Subject in any way ( See attached Supporting Document # XXXX ). The incorrect Possible Properties Owned by Subject is still being incorrectly reported on my LexisNexis Accurint Report. This communication is my FIFTH NOTICE to LexisNexis regarding the incorrect Possible Properties Owned by Subject that LexisNexis continues to incorrectly report on my LexisNexis Accurint Report. This information is incorrect because I do NOT, and NEVER had, any ownership interest in XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. If LexisNexis believes that its reporting is accurate, please provide me with all source documents that identify the specific entity, address, and complete name and contact information of the individual whom LexisNexis spoke with, including the date and time, to confirm the incorrect information as accurate. If LexisNexis is unable to provide the required documentation, LexisNexis must promptly remove the disputed information from my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent this information does not belong to me I demand immediate removal and blocking from all future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature if you can't provide these items Delete them.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi I have a XXXX XXXX XXXX XXXX by XXXXXXXX XXXX and it has been reported to all three major bureau 's but for some reason it isn't showing up on my Experian report. I have called Experian numerous times to fix the situation each time a agent at the company tells me they will have a supervisor call me back, and I never receive a call back. I contacted XXXX and Experian to rectify the situation in XX/XX/XXXX and I have had the credit card since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: The Law Offices of Gregory Alexandrides, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the Law Office of Gregory Alexandrites, LLC via phone requesting that they validate not verify a debt they are attempting to collect from me they claimed I owed and was informed I had to request it via email. I specifically asked for a Statement of Accounts and requested validation on five different occasions XX/XX/18, XX/XX/2018, XX/XX/2018, XX/XX/272018 and XX/XX/2018, along with 4 different occasions via telephone yet the firm failed to provide the requested information and has ignored the 4 voicemails I have left for their office manager XXXX . They then sent me a final notice letter after not responding to any of my request threatening to file a lien on my property. They have not provided me with any statements or validation after my numerous requests. I have attached supporting documentation. I am asking them to provide the requested information or cease harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-15
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2022-02-27
Company: Caliber Home Loans, Inc.
State: OK
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:
I sold my home in XXXX 2018. My loan was with Caliber Home Loans. I was told at the end of XXXX, during the closing process, that the closing would satisfy the remaining payments of the loan. I now show 2 late payments over 30 days for XXXX and XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX, I logged in to XXXX XXXX ' website on my XXXX to purchase an airline ticket for my daughter. When I submitted the purchase, I received a " transaction failed, try again '' notice. I waited a few minutes, and tried again, with the same result. I was watching some TV, so I just continued to wait a few minutes and attempt to purchase the ticket again, for a total of XXXX attempts. All XXXX reported " transaction failed '' messages. I finally went to my XXXX computer in my office and successfully purchased the ticket. When my credit card statement came, I had XXXX charges from XXXX XXXX. I contacted XXXX to let them know of the website errors and the XXXX erroneous charges, but was told that because the flights were non-refundable, they could only issue me a partial airline credit. That was unacceptable to me, because I never believed that I was purchasing more than XXXX ticket due to XXXX 's website errors. Also, I had to use my partial credit within 90 days, which has now passed. I would never fly XXXX XXXX again after the way they've handled this. 
I filed a dispute with Citibank, my credit card company. After several months of back and forth, document sharing, etc., Citibank informed me today that they are unable to require the merchant to issue credit to my account. So I have now paid 7 times for XXXX airline ticket.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: NH
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:
Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with Experian, XXXX and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.

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