BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To : CFPB From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Sir/Madam : Preface : I am a Victim of Fraud and Identity Theft. Since XX/XX/XXXX, all three credit bureaus placed credit freeze and fraud alarm on my credit report, CRA 's has also been notified by the agencies. 
The credit freeze/fraud alert remains present. 
I would like to lodge at dispute and complaint against my Bank 's unlawful, illegal, unethical, unfair practices. 
The Bank has been violating my consumer protection rights under CFPB and FDIC regulations for Fraud and Identity Theft Victims. 
The Bank neither handled or followed up CFPB guidelines for handling and protecting consumers against unauthorized and fraudulent charges. 

For over two years, the Bank has been collecting payments, charging interest and late fees on all Fraudulent Disputed Billing amounts. 
Hense, the bank also has been charging my Debt based on Identity Theft. 

The Bank never notified me about actions and/or results of their investigations on disputed charges. 
Beginning on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, the bank opened four Different credit card accounts without my consent, and using my identity, I did not use Discover card during those months. 

Beginning XX/XX/XXXX, the cards that were opened are : XXXX XXXX and XXXX were both used at the same time. 
XXXX XXXX and XXXX were both used at the same time XXXX XXXX and XXXX were both running at the same time XXXX and XXXX were both used at the same Finally, some of my disputed bills have been reported delinquent when my account has been in good standing. 

I need your help to resolve these issues. 

PS I will be sending this dispute to the FTC, FDIC, Attorney General, XXXX XXXXXXXX XXXX etc. 

Sincerely. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding bill from XXXX XXXX XXXX. The reason I had not paid the bill is because they added unauthorized charges to my account. I had a conversation and agreed to additional services, which I was told would reduce my monthly bill. That was incorrect and they demanded I pay XXXX  XXXX dollars for the changes. I asked them to review the telephone conversation I had with one of their agents as it was recorded, to which they declined. I informed them I had no intent to pay the fees they charged me without my consent. They turned me into a debt collector, to which I told them about this issue numerous times. I specifically told them the debt amount was incorrect, to which they told me that was not their problem. After trying to argue this through numerous phone calls with the collection agent, I eventually agreed to a settlement to get this off of my credit. This was done through XXXX on XX/XX/2021, reference number XXXX. The settlement was a reduction of approximately {$300.00} from the original bill amount of approximately {$900.00}. Now I have just received another call from a new collection agency, AFMI Collections, phone number XXXX. Apparently I have been turned in again to collections for the amount that the previous collection agent agreed to reduce my overall bill by. I am trying to clean up my credit so I can buy a home, and these people are nothing but bullies. How is it that the first company could continue to collect on a debt after I have informed them numerous times that it was not accurate? And then how can XXXX XXXX XXXX turn me in to collections AGAIN for an amount that was supposed to be waived. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 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 explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One illegally closed my account for inactivity. I tried to use my card today and was declined. I called Capital one and they informed me my account was closed for inactivity. They never sent me any warning notice letting me know my account was going to be closed due to inactivity. I never received a notice letting me know the account was even closed. If I would not have called them, I would have no notice the account was even closed. I requested to speak with a supervisor who basically kept repeating the account was closed and was totally unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received a letter from Credit Card XXXX who reported due to delinquencies, bankrupcy or late payments the have reduced my line of credit from XXXX to XXXX. I had recently paid the credit card off and started to use this card again and have had no payments over 60 days delinquent.

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 2023-05-31
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is reporting on acct which has never belonged to me! They want me to lie and state it is fraudulent when I have no proof that this is not simply their error! I am XXXX as they have been told they are attempting to scare me to pay a bill that is not mine! The amount is minuscule but wrong {$670.00}. This has caused me to be defamed, ruined my credit score and more! They have been rude, lied to me and Hostile! Caine and Werner states they are a collection agency and do not own the debt! I have requested proof of ownership for them to collect, proof of ids used to open acct, proof of all file contents and more! They would be giving me someone else private info but I have t Old then they are wrong and its not mine! So I need to see all to take to court if they do not delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MN
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:
The following hard inquiries currently listed and showing on my Experian credit report is unauthorized and not my hard inquiries : XXXX XXXX XXXX, XX/XX/2023 and XXXX XXXX XXXX, XX/XX/2023.

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 2023-08-22
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2018-10-29
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: Information is missing that should be on the report

Complaint:
Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not 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 2023-01-07
Company: Experian Information Solutions Inc.
State: OK
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 am writing to you because you are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-05-31
Company: Experian Information Solutions Inc.
State: SC
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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX, XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX ) XXXX Balance : {$1200.00}, XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$950.00}

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 non-monetary relief
Consumer complaint received 2021-10-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX ATTENTINO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX again! I have same issue, Transunion Credit company has some problem with my credit reporting, I have had issues with XXXX but they have fixed, not utility bill which was negative in my TU report, removed in XX/XX/2022, still my score is not balanced, more than one year car loan installment paid on time, still when I applied, TU shows " Lack of mortgage, or loan of large amount '', score decrease quickly, but XXXX does not, I understand I have had inquiries but my payment history extremely excellent, they do discriminate based my background, XXXX increasing my score significantly but TU does not, there is no negative account in my history, TU must have to answer my questions. They also do not enter my PAID OFF account as positive account or as PAID in FULL. They track increasing credit balance but never react on decrease balances, they attract lenders so they can use their TU reports more than XXXX or XXXX. I am very much disappointed. CFPB must take stern action against Transunion

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 2018-03-11
Company: EQUIFAX, INC.
State: CA
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 started an investigation to dispute inquiries on my Equifax Credit Report. They initially sent me a confirmation email stated they started the investigation. Two days later, they deleted ALL of my inquiries ( which was exactly what I was expecting ). However, the next day, I called them because they also deleted over 30 of my paid accounts in good standing. The representative told me he would fix the problem and would add all of my accounts back on my report. The following day, I woke up to ALL the inquiries being reinserted back on my report. 

Its been 5 days and they have NOT notified me that they reinserted those inquiries back on my credit file and the reason behind it. If they had just removed ALL of the inquiries, why then AFTER I called because they made a mistake and removed positive accounts, did they reinsert the inquiries??? 

Per the FCRA 611 section B ii- the credit bureau must notify me within 5 days of a reinsertion of an inquiry to my credit report. They did not. I am submitting the proof of email, all deleted inquiries and reinserted inquiries, in addition to the FCRA guidelines.

Company response to consumer: Closed with explanation