BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$160.00}

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 2023-12-08
Company: LEXISNEXIS
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:
I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: DISCOVER BANK
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:
Discover Dispute # : XXXX To ConsumerFinace and XXXX : Material Red Flag : Broken Internal Control Design of Customer Complains - not following the set process. 

1. Not in time : Per the supervisor, the first step of customer complain should be resolved within 30 days. I've filed my dispute on XXXX and the merchant responded on XX/XX/XXXX. However, I had not heard back from Discover until XX/XX/XXXX. 

2. Weak Design : The supervisor said the first conclusion that the case should be without the human intervention. And then she told me that this case was reviewed by HUMAN for the FIRST TIME when i called - then they reversed the transaction to continue the case. Which means they rely on customer complain to handle dispute and if i didn't call, this transaction will be closed in merchant 's favor. When i asked what info was provided by XXXX for discover to close the case in their favor, she said the fact that XXXX responded. It amazed me how Discover are being honest about their weak control design. 
Funny enough the info XXXX provided was ONLY MY NAME and ADDRESS, whereas i provided my return slip, tracking number of return and the delivered confirmation from XXXX. Please note that if this sale was final i wouldn't be able to get a return slip from XXXX. 

3. Next step : The representative told me that this may take more than 6 months. Is that what they wrote in their XXXX? How timely is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, XXXX, Experian, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to Experian, XXXX, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: AZ
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:
A XXXX charge account was opened, someone changed my email address and address on my XXXX credit card and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in 2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back for 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 2022-11-23
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$83000.00} ; XXXX SELF-REPORTED XXXX Balance : {$1.00} ; XXXX  SELF-REPORTED XXXX Balance : {$54.00} ; XXXX SELF-REPORTED XXXX Balance : {$300.00} ; XXXX SELF-REPORTED XXXX Balance : {$83.00} ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 I CALLED TRANSUNION TO FILE A DISPUTE ABOUT A PHONE NUMBER THATS IS ON MY CREDIT REPORT PERSONNAL INFO ( XXXX ) XXXX THATS NOT MY NUMBER I WANTED TO FILE A DISPUTED AND TRANSUNION TOLD ME THAT IT WAS GONE BUT IT WASNT TRANSUNION DID NOTHING I ALSO FILE A DISPUTE ABOUT AN INQUIRY THE I DID NOT AUTHORIZED I KNOW NOTHING ABOUT XXXX XXXX  KEEP RUNNING MY CREDIT WITH HARD INQUIRIES AND IT SEEM LIKE I CAN'T GET ANYTHING DONE LAST YEAR I CALLED XXXX XXXX ABOUT IT THEY DENY EVERYTHING THEY KEPT TRANSFERING ME AND REFUSE TO REMOVE THE INQUIRY. NOW THEY DID IT AGAIN AROUND THE SAME TIME LAST YEAR IT WAS XXXX XXXX, XXXX AND NOW 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 2023-04-01
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}

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 2018-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Capital One issued a check for {$2500.00} to me for a credit balance owed to me. The check was dated XX/XX/XXXX. After not receiving the check, I called Capital One on XX/XX/XXXX, they told me it take 2 - 3 weeks to be received. On XX/XX/XXXX I called again after not receiving the check ; they informed me at that point the check had been cashed. I immediately reported to Capital One that the item was NOT cashed by me & reported the item as being fraudulently cashed ( stolen ). Capital One provided me with a copy of the cashed item, clearly signed by someone else. 
Since the I reported this item as being fraudulently cashed / stolen ; I have not received a replacement and I am out the {$2500.00}. I have called Capital One many times only to be told they are researching the issue and no one can give me any further information. The research turn around time is " unknown '' and no one can provide any answers or timeline, nor can they provide what research is being performed. I have spoken with endless representatives and I've captured some of the ID 's XXXX XXXX XXXX - said it was under investigation & I would get a call as soon as there was more information XX/XX/XXXX XXXX XXXX - could not provide any updates or answers XX/XX/XXXX XXXX ( didn't obtain ID ) said she was going to research & call me back by XXXX, no call back received. 
XX/XX/XXXX XXXX ID XXXX - couldn't provide any update, said it was under investigation & there was no one that could provide any additional information or detail. Refused to transfer me to the department handling the investigation. Said the person handling the investigation ID # is XXXX but they aren't available to give her an update & they will mail me a letter with investigation outcome & there is no turn around time for when I'll receive that letter. Refused to transfer me to anyone else, any other manager or her manager but did give her managers ID : XXXX Unable to obtain any updates aside from " it's being researched '' and I've been receiving that reply for 30 days now with no additional detail or turn around time. 
On XX/XX/XXXX I filed a police report and have a copy of the report. Capital One has NOT asked for a police report, nor asked me to file one. Capital One has not asked me for any information to assist them in researching this fraud / stolen check item. 
I am out {$2500.00} and I can not get any answers, them item was stolen and fraudulently cashed and did not benefit me in any way. 
No one at Capital One can tell me the protocol for this issue and what the steps are that I can expect. No written statement or any requests to verify my signature have been requested by Capital One. 
I will complete any requested information and provide full cooperation to assist Capital One in researching this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt

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 2018-11-15
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: Account information incorrect

Complaint:
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.

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 2023-07-14
Company: Experian Information Solutions 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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2019-06-24
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Control, LLC has no true number! On the top of this settlement offer. I tried multiple times on XX/XX/19 - XX/XX/19 - XX/XX/19. It clearly states office hours ( EST ) are Monday- Friday XXXX XXXX - XXXX XXXX   XXXX - TTY XXXX. Did my own research and found a list of numbers. Today Monday XX/XX/19 I tried one of the numbers XXXX on the list and finally I got ahold of someone. The employee told me she's was needing my information on the letter that I received. Before she was able to give me anything I was just calling in to get a good fax number! Than I told her that she's going against all my rights. She than decides and said out loud That she dont have to hear this and disconnect our call. She was trying to be misleading and very rude. So I did call back and the next person I talked with gave it right to me XXXX and I did confirm again with the fax number. Never heard of this company.We have no clue who Credit Control are. We tried for over 10 days to talk with a real person on the phone. It don't hurt to be overly cautious these days.

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 2023-05-18
Company: Paradigm Assets, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
between XXXX and XXXX I had a credit card with XXXX XXXX. I ended up losing my job and almost all of my debt went to collections. over the last 8 to 10 years I have paid every single one of those debts off. Including the one for XXXX XXXX. When I paid this debt I paid it directly to XXXX XXXX and not to the collection agency at the time. Sense then the debt has been sold off numerous times over the years. When I contacted XXXX XXXX about this issue in XXXX they basically informed me that they had no record of me paying the debt. and beings the debt was so old that they didn't have any info on the matter at all. I was also informed that beings the debt was so old and beings they had already sold the debt off that they really had no interest in the situation at all. I also contacted my credit union that I paid the account from and they also told me the account was too old and they didn't keep records that long. The last letter I received even stated that this debt is too old for them to sue me. Sense then I have tried to contact XXXX XXXX XXXX numerous times and they do not answer there phone. My attorney has written numerous letters and they do not reply to her letters. I have disputed this account numerous times and they do there " investigation '' then reset the account open date. As of right now it says the account was opened in XXXX. But I haven't done bushiness with XXXX XXXX in close to 13 years. XXXX XXXX wouldn't give me a credit card even if I applied for one due to the original collection. At this point I am willing to go to court over this situation but XXXX XXXX XXXX will not even acknowledge my attorney. If they will not provide the information they are legally obligated to provide for the collection how can they keep reporting a collection that is well over XXXX XXXX XXXX? Even if the XXXX date that they state was legit ( even though it is not legit ) that would mean the debt is 5 years old. And that is told old for them to be reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. Hunter Warfield has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 - Sent a " Down payment '' ( {$670.00} ) over XXXX to a landlord for the house. We have texts, receipts and a paper trail and the institution wont even investigate for fraud.

When we tried to call back and confirm everything with the receipts, the number was blocked and we could not contact them again. 

After the number ended up being blocked, we tried to call XXXX and Mountain America Credit union, and the Credit union wouldnt even take a look at the case. That was the last money that we had and this NEEDS to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, 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:
I am XXXX XXXX, and I am the author of this complaint. 

The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you - Equifax, may require. 

The issue - 1. My Physical Home Address continues to be updated at Equifax  2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX - is not, my current address 3. This has been disputed to Equifax - and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted XXXX. The Last Reported Date, for the Address in XXXX NJ - you EQ - store, is XX/XX/2021. 
11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. 

The impact to me is devastating. 

Communications, and the like, validation of who I am - is impacted by this fraudulent data.

Company response to consumer: Closed with explanation