BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: LEXISNEXIS
State: NJ
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:
Lexis Nexis has written to me informing me that they are unable to authenticate my information and can not remove inaccurate reported XXXX. They have received all of my information and maintained it on file. ( Please see attachments ) On XX/XX/XXXX, I opted out of their data sharing of public facing records and on XX/XX/XXXX, I suppressed my information. On XX/XX/XXXX, I had a security freeze placed on my records and XX/XX/XXXX, I opted out again from Identity theft. The request were made prior to the bankrupcy reporting. The bankruptcy was reported to the agencies in XXXX of 2022. 

This Lexis Nexis as an organization has been sued for violating consumer rights and continuing to provide information that is inaccurate. They are not in compliance with the FCRA. Their inaccuracy in reporting a bankruptcy that never took place has damaged me and inhibited me from getting credit. I have written to them multiple times and opted out of their data sharing of my personal information with third party agencies. When you opt out, you are requesting to not have personal information sold to a third party, they continue to report this inaccurate information. 
The Bankruptcy Courts have informed me that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other THIRD PARTY PROVIDERS who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

Per Federal Credit Reporting ace, Section 609 ( a ) ( 1 ) ( a ), a corporation is required by federal las to verify through physical verification of original signed consumer documents, contracts or judgments all accounts and public information that you post on anyone 's credit report. 

My inquiry to the U.S. Bankruptcy Courts confirmed LexisNexis has never validated or verified these public record entries on my credit report. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I am demanding all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Case ID XXXX XXXX Disputed amount : {$240.00} XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX reported : XX/XX/2022 I was approached in XXXX XXXXXXXX by a person XXXX XXXX who represented himself XXXX XXXX XXXX representative. He instructed me on how to purchase a computer I wanted on XXXX He instructed me to pay through PayPal friends and family. He scammed me and I never received the computer. Paypal won't help me because it was sent through friends and family. He instructed me to do so. I wasn't aware that it was against PayPals rules to purchase that way. I was scammed and PayPal won't reimburse me and my XXXX XXXX is using the same reason not to refund me. I do not know the merchant. He is not even in the XXXX. Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) under the XXXX. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Just an XXXX : I understand pursuant to XXXX XXXX XXXX ( XXXX ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXXXXXX XXXX XXXXXXXX. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The 3 Credit bureaus do not have my permission to report anything and I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: OH
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:
My rights as a consumer are being violated since the information in this credit report is not accurate. 
The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards. If these standards are not followed, it jeopardizes the integrity of the data. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, ****PLEASE HELP**** PLEASE HELP. 
Whoever is reading this, I hope you are having a good day. I havent been able to get this money back, and Ive spent countless nights crying and depressed. 


On XX/XX/2021 I received an email from bank of america for a fraud alert for my unemployment card. 

Someone tried to withdraw some money from an ATM in XXXX XXXX, CA. 
I live in XXXX, CA. I was not in XXXX XXXX, and I NEVER LOST MY CARD. 

Naturally, I called my bank and checked my statements. Almost all of my money was gone. This is a card I dont really use, so it was normal for me to not check the activity often. There were a series of withdrawals before the XXXX, listed below, ( I did not receive fraud alerts ) I filed a fraud claim, and my claim was denied. 

I had no idea why it was denied, so I asked for it to be reopened. I was also told that filing a police report and faxing my drivers license would help, so I did those things. My claim still gets denied. I have reopened it probably 5 or 10 times now, I dont know. I lost count. 

I found out that I had a wrong date on the initial fraud claim, as well as on the police report. 

The fraudulent transactions were : {$1000.00} on XXXX XXXX each. for a total of {$8000.00}. 

I mistakenly claimed on both the police report and the fraud claim that a {$900.00} charge on XX/XX/XXXX was fraudulent, but it was me. I have made this fact *very* clear to the fraud department or whoever XXXX XXXX is in charge at bank of america XXXX They have assured me this documentation has been recorded. 

It is now XX/XX/XXXX, and the {$8000.00} that is mine still has not been returned. I never lost my card, and Bank of America does not want to give me my money back. Ive called countless times. Begging, pleading. Ive even spoken to a couple people at the bank, who told me over the phone they were looking at the camera footage and the FOOTAGE CLEARLY SHOWS AN ELDERLY MAN withdrawing money on the above dates. Obviously, not me. I am XXXX, XXXX, and wear glasses. The difference, according to whoever was on the phone, is very easy to tell. Again, to emphasize, I never lost my card. A stranger criminal was able to take my information somehow. This was all on a Bank of America atm by the way. 

****Please help me. No one wants to help me. Im desperate for this money back. *** ill attach the police report, but the bank already has this as well as my license

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 monetary relief
Consumer complaint received 2021-05-14
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received calls from the debt collector and the debt collector changes the number they are calling from. In addition to XXXX, there is also XXXX, XXXX. 

This is related to previous cfpb complaint numbers : XXXX XXXX I am unemployed and can not make payments. This is a temporary situation and was explained to Hyundai and the creditor both on the phone and in writing. Two letters were sent requesting a payment plan so that I can make minimal good faith payments somehow. 

When I spoke to the creditor on XX/XX/13, the creditor said they receive my first letter requesting a payment plan, but I would not receive any payment plan in writing, that it would not happen.

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 2023-09-22
Company: DISCOVER BANK
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries : 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 2023-07-10
Company: EQUIFAX, INC.
State: OH
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:
payment history involving XXXX XXXX  XXXX is incorrect. The months will be listed below. 
XXXX XXXX XXXX XXXX XXXX. 
. I have plenty of issues involving the collection department. lying. trying to have me pay money I didn't have. I can go down the list. when my account was NEVER late. I was in COVID forberence between XXXX XXXX XXXX XXXX. I waited for my paperwork from FHA until XXXX. Therefore I was Not obligated by contract to make a payment because I was waiting for my FHA loan due to my covid forberance. again I was never late on this account and I would like them to fix it immediately. Picture will be uploaded aswell. if I need to file a " Claim of debt '' form for them to validate all my debt I will do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following fraudulent accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$110.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$0.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3200.00} ), XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$620.00} ). If necessary I have the certified mail receipts for the dispute I send them. The dispute is attached. Equifax have not responded to the dispute or correct the errors on the report from these 5 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was late making a payment for the yearly membership fee of {$29.00}. This incident was reported to consumer credit agencies by Barclays Bank. I missed the late because I was in the hospital from XXXX XXXX through XX/XX/XXXX due to XXXX. When I got Out of the hospital, I realized the outstanding fee. I paid the XXXX immediately on XXXX and set up my auto-pay service so a mistake like this would never happen again. The annual membership fee was accessed to my account on XXXX and showed on my XXXX statement. 


I have had a stellar relationship with Barclays for over a decade and never missed a payment. However, by Barclays Bank reporting this incident to the credit agencies, Barclays put a blemish on my credit report that caused my score to plummet over XXXX points. My situation was out of my control. 

I contacted Barclays several times to explain the situation with no success.

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 2023-02-22
Company: BAM Management US Holdings Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Company is receiver of scammed funds, and refuses to process complaint with evidence provided. 
XX/XX/2022 {$10000.00} USD converted into .XXXX XXXX Attempted to contact company and provide proof of transactions through XXXX audit but company would not acknowledge information provided. 
See attached complaint document in pdf format

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NY
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 checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/XXXX and I noticed that this Inquiries had been made XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I have a charge off from TD BANK USA/TARGET CREDI that is still listed on all of my credit reports.

I called several times regarding this and was told by TD BANK USA/TARGET CREDI company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( TD BANK USA/TARGET CREDI ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX, and XXXX  ) as they had promised.

Card Detail : TD BANK USA/TARGET CREDI Opened XX/XX/XXXX ( 6 yrs, 5 mos ) Closed XX/XX/XXXX Thank you for your time, efforts, and assistance in having this removed, I am grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
midland credit management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX is constantly bugging me repeatedly on credit card debt been informed that i am XXXX had XXXX on government XXXX can not pay files previous complaints about this on XXXX  they refuse to stop collections i will sue myself if nothing done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NATIONAL CREDIT SYSTEMS is in violation of 48 of the FDCPA Laws as you can see in Exhibit A, B, C, D & E. Also they are in violation due to multiple phone calls I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC 1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond satisfying the FDCPA requirements. They have failed to do so on multiple attempts as seen in the exhibits they have continuously harassed me and continuously sending a STATEMENT and a statement does not constitute a Debt. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false. NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$48000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. If I do not receive payment for violations I will escalate this matter to court! 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: IN
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-21
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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