BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Financial Credit Network , Inc. has committed several violations and the negligence committed by XXXX XXXX XXXX XXXX. This is a frivolous collection, the original creditor failed to notify me of any past due bills after I called in XXXX and closed the account. I was told there were no payments due, despite me giving them my forwarding address there was no notices sent to me. 

Also there is no original contract he creditor has that allows them to report this to my credit report. The collection company also has doctored the date of last activity and is reporting inconsistent information across all XXXX credit bureaus, despite my dispute with them. 

I request that your company deletes the account from all credit reports. The account information is as follows : Account # XXXX, date opened : XX/XX/2021, original creditor : XXXX utilities. 

Please see attached document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to provide me with the documents with the original signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: LEXISNEXIS
State: OH
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:
Lexisnexis consistently causes emotional damage to me as a consumer. Not only is LexisNexis erroneously reporting an alleged bankruptcy on my consumer disclosure theyre very inconsistent with facts of their business investigation. Not only have I called LexisNexis after submitting my dispute, I have uploaded the documents requested through their consumer portal. I called on XXXX XXXX and authenticated myself 3/4 times with LexisNexis representatives and was told I didnt need to send any documents in to authenticate myself because they had already authenticated me over the phone. I then uploaded the documents they requested through the online portal which I have attached to this complaint. LexisNexis continues to prove that their investigation of my dispute is incomplete and unverifiable because their efforts to be thorough are unreliable. If LexisNexis cant verify myself as the consumer then how they verifying information that allegedly belongs inside my consumer file? Lastly, I have a right to privacy and I didnt give written permission to LexisNexis to furnish the inaccurate, unverifiable and incomplete information theyre reporting. There are inaccurate names, addresses, phone numbers and public records being reported that dont belong to me and I am forced to engage in arbitration and legal actions against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax 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 remove the following items completely from my Credit Reports : Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : Discharged XXXX Reference number : XXXX Filed Date : XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$25000.00} XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$18000.00}

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2023-05-02
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'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8200.00} ; Inquiries XXXX XXXXXXXX Date XXXX XXXXXXXX  Inquiry Date XXXX XXXX XXXXnquiry Date XX/XX/XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX  Inquiry Date XXXX XXXX XXXXXXXX Date XXXX XXXX Inquiry Date 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Investigation took more than 30 days

Complaint:
Transunion took more than 30 days to complete their investigation from my letter I sent in XXXX here is my certified tracking # : XXXX this is ground for removal they are violating my rights

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 2023-09-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
The company Comenity Bank is making harassing phone calls 7+ phone calls a day which is violating the FDCPA. Some of the calls are coming from blocked numbers at XXXX. 
The photo attached is from XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently noticed a credit inquiry made to my report by Credco on XX/XX/2016 that I did not authorize. I contacted XXXX XXXX XXXX to inquire on why there was an inquirie to my report a year and months after I had, had any dealings with this company without my consent. I was advised that they did not pull my credit however my report states otherwise. This is a tote the note car lot and as many know when you have not so good credit or no valid drivers license these are the types of car lots to go to but unfortunately these types of car lots don't have the most reputable history. I have not gotten anywhere with the removal of this inquirie and it has cost me points to my credit score that has been damaging. This company had refused me my rights and it is disheartening to say the least.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXXXXXX 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 is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.

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 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been receiving harassing phone calls from Capital One Auto Finance up to three times a day, and they leave messages violating the 7-in-7 rule, where a creditor must not contact the person who owes them money more than seven times within a seven-day period. I spoke with a rep on XX/XX/XXXX and agreed to make a payment. I made the arrangement to for a payment to be made on XX/XX/XXXX, on today XX/XX/XXXX I have received 3 calls and two voicemails about the same account with the arrangement. 
I called to find out why they are harassing me with these robocalls from their dialer system. I spoke to an offshore rep who was clueless and transferred to a resolution specialist named XXXX ( Agent ID : XXXX, date XX/XX/XXXX ). started at XXXX XXXX EST and have been on hold for 1 hour and 27 minutes waiting to speak with a supervisor before I terminated the call. She never came back on the line to let me know about the wait time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed an account and the balance still showing on my credit for an amount of {$2300.00}. I would like this mistake to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I opened a Synchrony bank CareCredit card in XXXX to pay for a XXXX. It is the only purchase made on the account and should have been paid off in XXXX with the regular monthly payment ( about {$400.00} ). I noticed in XX/XX/XXXX that the balance was nowhere near XXXX. I saw I was charged a " XXXX XXXX '' charge every month equal to about {$160.00}. I never agreed to this add-on. I have all the original paperwork and even the envelope from when I opened the account. " XXXX XXXX '' is not in any of the paperwork. I can also say that it would be an absurd decision to pay for this as it is nearly 1/2 of what the monthly payment was supposed to be ( $ XXXX {$400.00} ), so no one would logically choose this option. 

I sent a secure message to the company two times in XXXX explaining this and did not receive a return message. I called three times, when I finally got through their representative after 20 minutes of holding they were having phone line issues and they could not be heard.

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 2018-04-25
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've told this company in the past to stop calling, they were calling for the previous owner of the number. I've owned this number for four years now. That person used to get alot of calls. I'm starting to get them again for the past 2 days and have blocked two different last four digit phone numbers. Both are robocalls. 

I don't have the previous information any longer, however, the last two days : XX/XX/2018 at XXXX XXXX XX/XX/2018 at XXXX XXXX I know for a fact, since I check my credit, that I do not owe anything outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-09-15
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:
Hello I ask you to pay attention to these fake accounts and figure out their origins because I do not know these accounts and they are not mine. 

Please take a look : XXXX XXXX XXXX I want you to investigate and apply proper action in order to remove them from my profile Thank you

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 2019-03-21
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 have contacted Equifax repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, the collection made by SEQUIUM ASSET SOLUTIONS, creditor is XXXX XXXX XXXX  stated that I owed {$4200.00}. I did not use XXXX XXXX nor related with this one. 
I've already contacted XXXX. They didn't provide me any document, only said they will create a fraud ticket for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 XXXX took XXXX out of my account when I had no services with them. I notified PayPal and was issued a temporary credit. Unfortunately for me, this action was reversed due to PayPal requiring me to provide proof of the fraudulent charge which is contrary to what Regulation e states, the burden of proof is on the debitor rather than the account holder. 

When informed about this PayPal doubled down and refused to reverse their decision and I have to start the whole process over again. 

Please inform PayPal that they need to give me my money back until XXXX has satisfied the burden of proof for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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:
1. XXXX account {$51000.00}, paid off. 
2. XXXX account is not mines. 
3. XXXX account, not mines.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 non-monetary relief