BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing both XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my 3rd time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. Thier processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same process*** The confirmation number for the removal of these accounts was 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 2023-04-06
Company: Experian Information Solutions Inc.
State: IL
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:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Marlette Funding, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru Marlette Funding LLC. XXXX XXXX XXXX that Marlette Funding LLc was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on XXXX to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The XXXX report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from XXXX showing the update and not removal. 

I am also seeing this company on my XXXX credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my XXXX report, there are XXXX repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the XXXX report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and XXXX continues to show inconsistency with other reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Payward Ventures Inc. dba Kraken
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Kraken account to a fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Old information reappears or never goes away

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX : The credit inquiry named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Gragil Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I incurred a medical debt for a XXXX test at XXXX XXXX ( a chain of urgent care centers ). I was not billed for this debt until XXXX of XXXX. At that time, I checked my health insurance portal and saw that the debt had been covered by my insurance and paid in XXXX of XXXX. 

I contacted XXXXXXXX XXXX and was told that the records must have crossed in the mail and to dispose of the bill. I did so, and contacted them a second time when I received another bill in XXXX. At that time, I also wrote XXXXXXXX XXXX  and provided documentation that the debt had been paid in full by insurance. They appear to have sold the debt to Gragil Associates Inc sometime between XX/XX/XXXX and XX/XX/XXXX, as I first received correspondence from Gragil in XXXX of XXXX. 

At that time, I responded that I sought to dispute the debt as it had been paid, and also requested documentation regarding the debt. I began receiving collections phone calls from Gragil in late XXXX, despite never having received the requested documentation. I do not have records of those earliest calls, but the earliest one I can demonstrably document was from XX/XX/XXXX. I received " documentation '' that appears to be fraudulent from Gragil that was dated XX/XX/XXXX but postmarked XX/XX/XXXX on XX/XX/XXXX, at which time I had received about a half-dozen collections calls. 

The invoice for the debt was prepared by Gragil and has their mailing address at the top of the page, but it is designed to look like an invoice from Convenient MD. I have responded to Gragil in writing and provided documentation from my insurance company that the debt was paid in XXXX of XXXX. The calls have not stopped. 

On XX/XX/XXXX, I responded to the " invoice '' provided by Gragil with documentation of payment, and also included documentation of their unethical and illegal collections tactics ( sending an invoice that is not proof of the original debt ; the fact that collections calls began before documentation was sent as requested ). At this time I have not yet heard back but hopefully this will be the end of their attempts to collect the " debt '' that was never owed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
this is the Second time that I received a 1099-A for the illegal foreclosure sale on my home this second sale in 2021 auction, that JP Morgan Chase Bank , NA sent me see attached and at the Top it states that a copy of this illegal sale was furnished to the IRS. I just received from the IRS proof that Chase did NOT give the IRS a copy of this sale. I am asking the CFPB to have Chase rescind this illegal foreclosure sale. See attached the IRS transcript and the 1099-A stating at the top that a copy was furnished to the IRS when in fact it was NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover Payment for my credit card was due XX/XX/XXXX. On XX/XX/XXXX I did not show my normal {$150.00} fixed amount has processed, so I edited the payment amount to reflect my desired {$230.00}. I authorized XXXX transaction for {$230.00} on XX/XX/XXXX, then on XX/XX/XXXX I recieve an email stating my discover payment for {$150.00} had processed. Now I see an unauthorized payment for {$150.00} out of my account on top of that {$230.00}. I contacted them and they were not helpful gave me the run around and essentially said I was XXXX out of luck for providing groceries for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: R.A.Rogers, Inc.
State: PA
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:
Hi my name is XXXX XXXX I paid off an account that was in collection over a month ago. Ra Rogers ( XXXX XXXX ). This account is not coming off of my credit report. It is still showing a balance of {$470.00}. I disputed this transaction with an attachment from ra Roger showing this has been paid. The dispute was denied stating the information reported is correct. I would like this to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey hope all is well I viewed my credit report and seen that there was an inaccurate collections accounts being reported on my profile Ive never open this account and its being reported inaccurately i know its an violation under FCRA to report inaccurate information on ones credit report please remove from credit reports immediately Thanks. 

Account : XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} ( Collection ) 15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because IQ Data International have continued to report inaccurate information on my consumer report to all XXXX of the major credit reporting agencies and have been engaging in abusive debt collection practices to try and collect an alleged debt. I sent IQ Data International a cease and desist, and ordered them to cease their abusive debt collection practices but they ignored it and continued to engage in their abusive practices. I also requested validation of the debt and all I received was some papers that I guess where supposed to be statements or something but it's clearly fake. There was no accounting ledger showing any debt, I received nothing sworn under oath or an affidavit verifying their claim, no judgement, I didn't even receive a contract. Pursuant to 15 USC 1692g ( b ) if a consumer notifies a debt collector in writing that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgement, or the name and address of the original creditor, and a copy of such verification or judgement is mailed to the consumer by the debt collector. In the papers that they sent, there was no verification or judgement attached. The papers they sent unable to be verified therefore the alleged debt is invalid. I am demanding that IQ Data International delete all references to this account and remove this inaccurate account from my consumer report IMMEDIATELY! If this inaccurate Information continues to show on my consumer report after you receive this notice I will not hesitate to bring legal action against you for : Violations under the FCRA Violations under the FDCPA Defamation of Character Also I never gave IQ Data International any permission to furnish any Information about me on my consumer report, nor did I give the Reserve at XXXX permission to share my non public private information with an unaffiliated third party which is a clear violation of my right to privacy. IQ Data International obtained my Information illegally and furnished inaccurate Information on my consumer report to try and extort money out of me that is not owed. This would constitute IdentityTheft, Frauds and swindles under 18 USC 1341, and racketeering activity under 18 USC 1961. 

Please do not play with me this will get ugly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: SANTANDER HOLDINGS USA, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, I started a dispute in regards to duplicate accounts being report on my account for 1-auto loan I had with Santander/Lending club that was paid in full in XX/XX/XXXX to XXXX balance but was being reported as an open and still revolving credit. After I did so, the account was updated to reflect XXXX balance but then reported that the account was delinquent 2 times in XXXX more than 60 days in XXXX and XXXX of XXXX which was false information. This negligence/false reporting caused my credit score to drop significantly by over XXXX points across all 3-credit reporting bureaus. Causing me to be denied business credit because my credit dropped from good to fair, low XXXX to mid XXXX. After the dispute and correction I did not get my points back due to their error and now cant regain the credit access I have worked hard to maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/22, I submitted a dispute for a incorrect deposit reversal made on my XXXX  bank account. The case number is XXXX. 

On XX/XX/22, I made a deposit to my account at XXXX XXXX of {$500.00}. The transaction ID is XXXX. This was later reversed on XX/XX/22. In my dispute, I submitted a deposit receipt corresponding to this deposit on XX/XX/22 XXXX. My dispute was denied and upon calling, I could not obtain the reason for denial, nor could I speak with the person who made the decision. 

In addition, I have attached an image of deposit receipts in the period of XXXX. The deposits total to {$2500.00}. In the attached statement however, there are 8 deposits of {$500.00}, and 4 reversals of {$500.00}, which totals to net deposits of {$2000.00}, a {$500.00} discrepancy. 


Given all of this, instead, upon calling on XX/XX/22, I spent nearly an hour going back and forth with the billing department, and they failed to really understand, and would fail to really address my point. In the end it did not matter as they can not make any decisions, only explain, and they can not view my deposit receipt image I submitted, so I could not prove to them that I did the deposit. 

I'm hoping by raising this complaint, that the right attention can be placed on this issue, and I can be credited back my missing {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: NCB Management Services 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:
NCB Management Services INC sent me the consumer [ XXXX XXXX ] collection letters about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with NCB Management Services INC . 
I sent NCB Management Services INC three letters of dispute with a conditional communication via mail correspondence only. 
I did receive a response from NCB Management Services INC . 
NCB Management Services INC did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts.

Furthermore NCB Management Services INC sent me a letter that advises me about a Data Breach. 
I Lisette Loera found NCB Management Services INC now in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer which in this case is me. I will provide documents to support my claim. Below are the laws that support my claim.

Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which NCB Management Services INC did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

These are the violations of Consumer LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: Problem with personal statement of dispute

Complaint:
There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.

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 2019-07-08
Company: FIRST HORIZON BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX XXXX XXXX at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-10-28
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I send a request letter to Comenity for a copy of original agreement, I received no response. Plus the bureaus report one month of payment history, I believe this is wrong.

Company response to consumer: Closed with explanation