BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a victim of fraud and mail theft. Discover alleged I have an outstanding charged off account that was opened in XX/XX/XXXX. They referred this account to XXXX XXXX XXXXXXXX XXXX. which is a law firm that specializes in debt collection. This law firm filed suit and a deputy from my local sheriff 's department delivered a Writ of Execution to my home in XX/XX/XXXX. XX/XX/XXXX is the first I have heard of this charged off account opened by a fraudster in XX/XX/XXXX. I have an active account with Discover in good standing that I opened in XXXX. I have no knowledge of any account with Discover opened XX/XX/XXXX. I promptly contacted Discover by phone and after being passed around to several representatives I was directed to their Customer Protection Security Department XXXX. The representative that assisted me in that department deemed the account from XX/XX/XXXX as fraud and updated my file ( screenshot to be attached ) to reflect that I have been a Discover customer since XXXX and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed bankruptcy in XXXX XXXX Chapter XXXX  - bankruptcy discharged in XXXX XXXX Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?

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 2021-03-21
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is reporting the amount of {$67000.00} for a medical debt I don't owe. I sent a letter to this company asking them for information about this debt and they sent me a response saying the following " Medicredit '' determined that the balance on the account is accurate and is your responsibility ''. However, they did not send me any document related to this debt as I requested and this debt is definitely not mine, I am in XXXX, they are also reporting the account as Medical which is in violation of my rights by statutory HIPAA Laws. They also mentioned in their letter a company under the name of XXXX XXXX XXXX, XXXX. I don't have any account with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2021-03-20
Company: ENOVA INTERNATIONAL, INC.
State: CA
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:
Net CreditXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Was disputed on XX/XX/21 as a result of identity theft. I did not receive this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: LEXISNEXIS
State: AZ
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:
On XX/XX/XXXX I submitted a dispute with the Consumer Financial Protection Bureau regarding LexisNexis about several inquiries and other items that were inaccurately reporting to my LexisNexis disclosure file without my knowledge and permission. After submitting the dispute to the Consumer Financial Protection Bureau, LexisNexis responded two weeks later through the Consumer Financial Protection Bureau on XX/XX/XXXX stating that they could not validate my identity. This would be incorrect and a complete lie because as of XX/XX/XXXX LexisNexis has received all validation of my identity via Post Office asking for a signature upon delivery with receipt regarding my dispute. Before submitting an online dispute with the Consumer Financial Protection Bureau, I physically mailed this same dispute on XX/XX/XXXX and on XX/XX/XXXX my dispute to LexisNexis with all documents was signed and delivered. Since this day on XX/XX/XXXX I have yet to hear a response through the mail or otherwise from LexisNexis about the dispute that was mailed to them via Post Office receipt with signature. This is a pure violation of the Fair Credit Reporting Act and I do intend to go down to court to file a lawsuit on XX/XX/XXXX to stop this from happening again. I don't care how much it cost to file a lawsuit or how long it will take, but I do know by going to court this will stop and I will be awarded financial damages for these violations that LexisNexis has committed. 

Avoiding my dispute and not responding to my dispute stops today. 
If the Consumer Financial Protection Bureau can not help me and see that LexisNexis is clearly violating my consumer rights then I have no other choice but to drag this into a court of law. 

Several violations have been committed on the part of LexisNexis. 

These violations are : not responding to the consumers dispute, re-inserting deleted information named ( XXXX XXXX ) back into my LexisNexis disclosure file with notifying me and several other inquiries that were done without my knowledge. 

As you can see on XX/XX/XXXX the item named XXXX XXXX that was disputed was removed from my LexisNexis disclosure file and on XX/XX/XXXX the following month this same item name XXXX XXXX was re-inserted back into my LexisNexis disclosure file without notifying me. The letter from LexisNexis dated on XX/XX/XXXX, clearly stated that the item was removed. 
Again no response from LexisNexis has been initiated since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Bepensa Capital, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was defrauded by both the dealer and credito real usa and all persons that represent these companies. When i learn that ii was been defrauded XXXX of XXXX  i asked that the contract be voided i wanted out of it. Cerdito real usa assured me that i had nothing to worry about, they would get to the bottom of it, guaranteed me that my credit would not be affected. I have contacted them giving them ample time to respond. i never received calls back to resolve only for payments. i have been threated, accused of lying, yelled at among other manipulative practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/21, the Solutions Department from Comenity Bank called my cellphone about someone else 's debt that they assume to be my friend/family member. I do know this person, and they shared a revelation of debt, asked me to call them back, and requested the person 's contact information. All of this was left on my voicemail. 

When I called Comenity back, I was told by Comenity that they are legally allowed to share all of the above-mentioned information about this person 's debt with me ( based on the state she lives in and because they are internal not third party collections ) and confirmed that the person has a debt. 

When I spoke with a supervisor XXXX XXXX # XXXX XXXX about my concerns related to consumer privacy ( as it turns out I am a customer there, too ), she turned my concern into a XXXX  maze of confusion and was pretty nasty. She refused to follow-up on my concerns. 

Customers, beware!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been trying to get Equifax to investigate and correct inaccurate information on my credit report. I sent a letter to them XX/XX/XXXX and I have not received a response back in over 30 days. I also tried to fix this with the furnisher, but they failed to investigate and failed to validate the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: EQUIFAX, 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:
An e-OSCAR XXXX was sent by XXXX ( XXXX XXXX ) to Equifax to delete a line item off my credit report. The XXXX No. XXXX. 

This was sent on XX/XX/2021 and XXXX states that sent this to Equifax and Equifax did not delete the line on my credit report. This is very important and has been an ongoing issue for months now. XXXX XXXX has stated numerous times that they want this removed per the XXXX above. 

Please investigate ASAP as this is been an ongoing issue that is preventing me from closing on my house. The use of e-OSCAR is supposed to prevent delays such as these, but it seems to have fallen through the cracks. I have filed a XXXX complaint in the hopes of getting things moving in the right direction as well. I would love to just have this removed per the request of the data furnisher ( XXXX ) as the other credit reporting agencies have already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Back in XXXX to XXXX of 2020 in the pandemic I applied for the unemployment and my pre-paid account was hacked and I could not use no more I didnt receive no money from my bank I did research and I seen that I could no find my available balance or nothing I still couldnt access the account I see there is a compensation of the {$59000.00} I didnt receive and I would like to have a refund or my compensation due to Bank of Americas mistake and fraud app

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 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2020-09-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I try to contact the credit agencies on numerous occasions to let them know that mortgage keeps going up drastically every month and it is affecting my scores.My mortgage balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NV
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 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 that need to be investigated and corrected from 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 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 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 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 2022-09-15
Company: Experian Information Solutions Inc.
State: DC
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$17000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$44000.00} XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a XXXX month trial plan from XXXX XXXX. I made the last trial plan payment on XX/XX/XXXX and of the date of this complaint XX/XX/XXXX I have not received the modification documents to sign to get my loan current so I can resume making timely payments. I have called every week since XX/XX/XXXX and continue to be advised that the review is still in process and continue to wait for the modification agreement to be mailed to me. I am given no reason why it's taken over 30 days for me to receive the agreement. I have complied with the terms of the trial plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Citibank/ Bestbuy . 
I have contacted the company in regards to fraudulent in store charges in XXXX XXXX Michigan. I reside in NY and was not there yesterday. 
Citibank and best buy refused to validate me as a customer or card holder and want to send me correspondence. This is unacceptable. I dispute these fraudulent charges and citibank bestbuy is not trying to resolve the problem, wanting to drag this out and not attempt any research as to who did this. 
I will be contacting XXXX XXXX pobloce dept to goto the store and collect video footage. I want these charges removed from XX/XX/2023 on my best buy card. 
I do not want this to reflect 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 2023-06-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XXXX I opened an account with Chase Bank in XXXX XXXX Illinois Branch. I deposit {$300.00} cash to open the account. I never received my debit card in the mail. when I called the bank to inquire about my debit card the person on the other line said that my account was closed do yo no activity. I went in person and asked for my {$300.00} and was told that I had to call and make a complain with their fraud department. I called and the fraud department said that a check has been mailed and nothing further is to be done. I never received such check. When I call back I get the same answer a check has been mailed and when I ask if the check has been cashed because I did not cash it, I get transfer to another line and as of today I have no idea what happen to my {$300.00} dollars.

Company response to consumer: Closed with explanation