BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: MO
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 discovered 3 accounts on my credit report that I DID NOT OPEN OR GIVE PERMISSON to open. Along with these fraudulent accounts inquires also are fraudulently on my credit report. 

ACCOUNTS NEEDED TO BE PERMENTLY REMOVED FROM MY CREDIT REPORT XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX FRAUD XXXX XXXX XXXX Date opened XXXX XXXX, XXXX XXXX. XXXX XXXX  Date opened XX/XX/XXXX XXXX. XXXX XXXX Date opened XX/XX/XXXX INQUIRIES NEEDED TO BE PERMENTLY REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX. XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2020-12-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/XXXX I received a cancellation notice from XXXX XXXX XXXX XXXX phone. They stated in the notice that I had a past due balance of {$140.00}, and my services had been suspended for all numbers associated with the account. I did not take any action as I had paid the bill in full on XX/XX/XXXX amount {$140.00}. 
I opened the account with XXXX XXXX XXXX on XX/XX/XXXX but I started having billing issues beginning of XX/XX/XXXX. I was charged {$110.00} even though my monthly payments was {$71.00} an overcharge of {$48.00}. I talked customer service and they stated they will prorate and I will pay {$23.00} instead on XX/XX/XXXX my bank was charged {$29.00}. I complained again to customer service about the increase but nothing was done. 
I was in a 2 years contract but after 8 months I decided to terminate early my contract. I went to XXXX XXXX XXXX  store in XXXX, TX on XX/XX/XXXX. The manager offered me a deal to pay {$140.00} of the remaining 12 months of the contract. I paid it off on XX/XX/XXXX. 
I went again to XXXX XXXX XXXX on XX/XX/XXXX after receiving the cancellation notice but, the store attendant could not pull up any of my information, it's like I never existed. Apparently, when one of the technician was working on my phone he accidentally erased the number I was using at the time. 
Because XXXX XXXX XXXX is falsely collecting this amount and reported me to all 3 credit bureau my credit score went down 23 points. The turned this bill to a collection agency SEQUIUM ASSET SOLUTION who opened a collection account on XX/XX/XXXX and the account is noted in my credit report and it is having an enormous impact on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I has a previous case, where I could not make a payment of my capital one card. 

The issue it seams is due to the fact I am a XXXX going through US immigration. And somehow the Capital one system detected my OLD XXXX Capital one card. So it had my US card flagged in the system. 

Someone from Capital one called and it was fixed. And that card I have been able to make payments on. 

Except.. somehow it then linked my XXXX SSN into the US. And that card is using my XXXX SSN. And it created credit bureau reports using my XXXX SSN. 

I did not notice this right away. 

But then Capital one offered me a new card. Under a preapproval letter for a different type of Capital one card. I accepted and the card was granted. That card is definetly using my US SSN.

Issue is I can not PAY it. I can not link it I can not create an online account to pay it with. As it tosses a oops we hit a snag error.

I did one payment over the phone which took hours to complete. 

We then went through what is happening as the US Capital one system shows me twice.. once with my XXXX SSN, and again with my US SSN XXXX 

We spoke to there fraud unit to confirm who I was, I started this process back in XXXX XXXX. I had to fax them all my paper work. Which I did ... they promised to call in two weeks. 

nothing happened. 

I then contacted again, they confirmed they could see all my paper work but nothing had been done. 

So they said I needed to open another case, as the other one had been closed due to non activity.

I am now behind, and calling in they can't take payment I can't make payment. I am to the point I just feel like I should cancel the cards. It is such a pain to deal with.

So on my call back they said open another case sent me alink, I said okay I will send all the paper work again. And confirmed on the phone, with them.. can you see it.. yes could can you review it yes looks good.. should take two weeks to fix and we will call you. 

It has been a month and again still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im disputing the validity of Lowes account # XXXX item being incorrectly reported to the major credit bureaus. Based upon your CFPB response letter provided on XX/XX/2020 you claim a Balance of {$5200.00} was charge off as a loss on XX/XX/2020. A recent copy of the provided XX/XX/2020 credit report shows your reported balance of {$4800.00}. This is my second attempt to remove this negative item from my credit report due to your failure to correctly report accurate and valid information. 

XX/XX/2020 Dated copy of Credit Report showing failure to properly report balance XX/XX/2020 CFPB Lowes response letter proof of incorrect balance reported I am requesting that this item be removed from all credit reporting bureaus 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 2022-04-04
Company: Experian Information Solutions Inc.
State: MT
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please block/remove the following accounts completely from my Credit Reports : XXXX XXXX  XXXX Date opened XX/XX/2021 Balance {$420.00} XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$560.00}

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 2023-08-08
Company: Experian Information Solutions 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:
YOU ALL ARE IN VIOLATION OF 15 USC 1681 B BY FURNISHING INFORMATION THAT I DID NOT AUTHORIZE, NOR DOES THE ITEMS BELONG TO ME. THESE ITEMES WERE DUE TO IDENTITY THEFT/FRAUD AND THIS MATTER MUST BE RESOLVED ASAP BEFORE I REPORT THE COMPANIES TO THE XXXX XXXX XXXX  AND MY ATTORNEY STATE GENERAL.

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 2023-10-25
Company: Miller and Steeno, P.C.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Miller and Steeno, P.C & XXXX XXXX XXXX your uncooperation is unacceptable and you are not above any law. You can't even answer me point by point. Everything you have said about me is all hearsay and I won't tolerate the harassment you have continued to show towards me. As I explained in the previous complaints I am not scared of you, and I will face you cowards head-on. I might add this is the most unprofessional law firm or " debt collectors '' whatever you call yourselves. Your client XXXX XXXX XXXX has many claims against them and many cases where they have lost because of the violations they have made. Not to mention Miller and Steeno , P.C . and its entities have lost many cases and is no stranger in violating the FDCPA. One example is Robin v. Miller & Steeno, P.C. I will make myself clear Miller and Stenno, P.C. you have violated the FDCPA, CFR, and ABA rules. Just so you remember I will quote a harrasing false and misleading statement you made about me on public record " XXXX XXXX is merely attempting to engage the CFPB in an effort to avoid paying his debts. '' So let me tell you what you have violated here 12 CFR 1006.14 ( a ) ,15 U.S. Code 1692e,15 U.S. Code 1692d, and ABA Rule 7.1 ( 4 ). Not only that you have committed defamation. Again to make myself clear I will take further action to protect my rights if my demands are not met. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights. I demand that you close this account within your offices, I demand to see XXXX XXXX XXXX 's XXXX BAR License Number and XXXX XXXXXXXX XXXX license, I demand that you cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a XXXX XXXXXXXX from me, especially over an alleged debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted all the required documents to have this account removed, and I am pleading with you to take action as soon as possible. This account is causing me XXXX and affecting my ability to sleep.

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 2023-02-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint because the debt from National Credit Systems Inc ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX  at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: LA
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 have contacted Experian on numerous occasions in XX/XX/2022 to XX/XX/2022 to remove inaccurate and invalid addresses and names from my account for which they refuse. I explained that I was involved in the XXXX Data Breach where my name, address, phone number, email, and social security number was compromised and floating on the XXXX XXXX and that I can send verified proof of my ONLY name, address, birthday, and social security number. I was told to contact the creditor that placed my name wrong on the credit report which I didn't know who did in order for them to correct. That was not a healthy move for the agent assisting me from Experian because it just only frustrated me even more. I attempted one last final time on XX/XX/2022 upon me enrolling into the Experian XXXX XXXX to monitor any new activity to come onto my credit reports. I submitted a claim # XXXX into XXXX XXXX Data Breach Settlement on XXXXXX/XX/2022 also. The Fair Credit Reporting Act states that it promotes the accuracy, fairness, and the privacy of information in the files of consumer reporting agencies and that these agencies must correct or delete inaccurate, incomplete, or unverifiable information. I am requesting under the Fair Credit Reporting Act ( FCRA ) that the listed invalid name and invalid addresses be removed from my Experian report immediately. 

XXXX XXXX this is NOT my last name and I want this entry removed or corrected from my report Name ID # XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is invalid, never lived here and needs removed immediately along with any association to other accounts Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX invalid, never lived here and needs removed immediately along with any association to any other accounts Address ID # XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX is more than 7 years old, invalid and needs removed immediately along with any association to other accounts Address ID # XXXX XXXX XXXX XXXX XXXX, CO XXXX is more than 7 years old, invalid and need removed immediately along with any association to other accounts Address ID # XXXX I have ONE address and ONE name given at birth that should be listed on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2020-12-24
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection agency XXXX XXXX XXXX has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from LOAN ME. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by LOANME, XXXX XXXX XXXX nor XXXX XXXX XXXX as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the XXXX XXXX XXXX that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( LOANME ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with LOANME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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:
XXXX  Credit Bureau, and XXXX XXXX continues to not report correctly for XXXX  XXXX x XXXX XX/XX/2018 showing 1 month late. It was never late, and I need it corrected. 
I have called XXXX XXXX, they have no archival files, can't reach a credit contact and XXXX  is someplace else and keeps trying to verifty never gets corrected I need it corrected as Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX,2020 I sent a certified letter to Midland Fund requesting to validate the debt in the amount of {$1200.00}, the letter was received XXXX XXXX, 2020, I received no response I sent a second letter requesting validation again on XXXX XXXX,2020 and it was received XXXX XXXX, 2020. I received two letters from Midland on XX/XX/2020 and XX/XX/2020 ... still with no proof or validating the debt but only stall statics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
They have late payments from kohls credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly

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