BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: LJ Ross Associates
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX LJ Ross Associates began contacting me about a debt that they claimed that I owed to them. During the initial phone call, which is recorded by the company, I disputed their claim informing them that I have no connection to or ever received any service from LJ Ross Associates. In XX/XX/XXXX I received a copy of my credit report and found that LJ Ross Associates is reporting an unverified debt. I have disputed this four times with all three credit bureaus and twice with LJ Ross Associates directly.

On XX/XX/XXXX I sent a certified return receipt letter requesting that they validate this debt they are attempting to collect within 30 days. They received the letter on XX/XX/XXXX and refused to respond yet continued to update their negative reporting on my credit reports every month following the receipt of the letter. On XX/XX/XXXX I sent a follow up letter requesting that they remedy the situation and they responded by sending me an account analysis from a utility company which does not validate that I owe a debt to LJ Ross Associates. 

LJ Ross Associates has failed to provide me with any documentation bearing my signature showing that I have a contractual obligation to pay LJ Ross Associates for the debt that they are reporting on my credit reports. I have never entered into a one month termed contractual agreement with LJ Ross Associates. However they are reporting these inaccuracies on my credit report in addition to a seriously past due negative payment history. I request that this entry be removed from all of my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Navient representative contacted a family member of mine and disclosed to them the nature of the debt. This family member does not live with me, they are not a cosigner but rather just a reference. My family member did not ask the nature of the debt. Navient volunteered that personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ),  XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2018-06-14
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent two certified letters to this collection agency. I sent an initial request after receiving a phone call that violated FDCPA by disclosing a debt to a third party. I requested the validation of the debt on XX/XX/XXXX as this account has been disputed for identity theft. I sent a second certified letter to this collection agency XX/XX/XXXX disputing the validity of the debt as the documentation received as validation did not include any evidence that this debt is mine. I also further filed a report with the FCC in regards to the identity theft and abusive and illegal collection practices this agency has taken which has caused me great financial harm. I am now filing a complaint with the CFPB, FDCPA, FCRA, and the XXXX   in regards to this claim. I have done my part as a consumer to notify this agency that this debt is invalid and I am requesting immediate rectification or I will seek damages via an attorney.

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 2019-09-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.

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 2018-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted capital one through phone to talk to them about the financial hardship I was going and have recently been going through, I was struggling bad and I wanted to see what I could do to work with capital one about my late payments that would occur, the capital one rep said there was nothing they could do to help me. I had a XXXX XXXX in XX/XX/2017 and I've been a single dad since, it was my XXXX XXXX and I made consistent payments all up until his birth. I worked hard and I got on track for a couple months, I then contacted capital one again by phone 3 separate occasions about my financial hardship with having to provide daycare for my son without any help, which is very expensive. The capital one rep proceeded to batter me for payments on the phone and said without a payment they will close my account! I'm just trying to be a good father

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I started receiving phone calls from a XXXX XXXX " XXXX XXXX '' is what they called their selves, claiming that they are going to sue me for an HSBC account that I have no knowledge of. They have called my wife and left messages stating that I am currently being investigated and need to call XXXX and reference # XXXX. I attempted to reach the XXXX who are now claiming to be from XXXX XXXX   and they were very unprofessional. They started to call my brother and sisters cell phones telling them that I am being investigated and will be sued if I don't comply. I called them again on XX/XX/18 and was told that I could not request them to cease and desist called to my cell phone or to my relatives. I asked for a manager and the account representative advised that there was no one available. She refused to provide me any details about this account that they are claiming I owe. I advised them that I would file a claim against their business for harassment and defamation of character and again, they refused to stop the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is 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 2018-05-05
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I C Systems sent debt to collections entered it on my credit report never contacted me on my credit report it doesn't provide any identifying info such as an account number or anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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:
I submitted all of my information over to Transunion to correct the inaccurate information and they have yet to do so. Ive submitted the documents twice and still nothing. They were sent beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Greystone Alliance LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to call this company, along with disputing the debt through the credit reporting agencies. They are reporting this on my credit as a delinquent collection. But also sent me a letter stating that it wasn't a collection agency. I contact the apartment complex XXXX XXXX. I spoke with XXXX XXXX, she stated over the phone that I didn't owe them any money. I requested that she send me a copy of the bills that were sent to me. She then sent me an email with the ledger for my account. What this company is trying to collect for is fraudulent as I have not owed money since XX/XX/2015. I have attached the ledger sent from the apartment complex

Company response to consumer: Untimely response
Consumer complaint received 2021-07-16
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : DISCOVER FIN SVCS LLC Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a notice of debt or communicated with this debt collection company. I never paid this debt collection company any money. I satisfied my debt with the original debtor XXXX XXXX prior to this debt being reported on my credit reports. I disputed this debt and the company reported it as paid with a {$0.00} balance but did not remove the collection. I do not owe this company nor have I had any communication with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CAVALRY INVESTMENTS, LLC
State: FL
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:
This company did a hard credit check on my XX/XX/XXXX credit report on XXXX. I've heard of their agency before but I did not give them permission to check my reports. I've had other agencies to this in the past and have caught them and they finally stopped ; however I've dealt with this company before and they were trying to collect on a 15 year old debt from me in the past with harassment. 

Since they are not a lender and debt collector, they checked my credit report illegally, assuming to get current contact information or other information they could use. THIS IS ILLEGAL as they had no permission to do so. 

I have also ordered my XX/XX/XXXX and XX/XX/XXXXreports and will create another CFPB complaint if I find them on there as well ( for each one ) ... 

STOP IT or you will pay damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, saying that these fraudulent inquiries are verified information not only shows that theyve received my identity theft report, but has proves that theyve refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

Therefore Equifax is in violation of my rights as a consumer under the FCRA. Also, they claim that these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I checked at the XXXX website to see if my stimulus payment had been deposited into my account on XX/XX/2020 the IRS deposited my money into my American Express Serve account on XX/XX/2020 the money is not showing on my bank balance an American Express is saying they don't have any idea because they never received the deposit I was told to contact the IRS so I called back to the IRS and was told that the deposit was made on XX/XX/XXXX into the account with the account number that I provided and they don't know anything more or can't do anything more about it I double-checked the numbers to make sure that they matched and that they were correct and that it was my account that the money was deposited into and they matched so I call American Express back and relay this information and they told me that they never got to deposit they couldn't do anything about it and that I have to call the IRS I'm very frustrated because it seems like this is happening before cuz they already had a response right away it sounded like it was a script so I go online and I start looking and there's hundreds of people that are having problems with their direct deposits with the same company in the same way that I'm having the problems and American Express is just not doing anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2020 I sent Experian the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?

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 2021-05-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 i filed a claim with wells fargo because i was a victim of fraud, I put some money aside for gold and cryptocurrency purchases but the broker turned out to be fraudulent and i never received received any of the investments i purchased. 

Wells fargo handled the matter and stated that they will conduct an investigation. They provided me with two provisional credits in my account of XXXX and XXXX until they are done investigating.I cooperate with them and provided them with the evidence and communications between me and the merchant. 

Sometime in early XXXX they sent me a letter stating that they are still investigating and that they will take back a portion of the provisional credit. Later that month ( XX/XX/2020 ) They took the remaining of the provisional credit, accusing me of fraud and draining my bank account of any funds and leaving it in a negative balance of XXXX USD. They never provided any evidence of their " findings '' and refused to further speak to me regarding this matter. Claims department stated that this case was escalated to another department.

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 2021-07-16
Company: EQUIFAX, INC.
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: Report provided to employer without your written authorization

Complaint:
I XXXX XXXX did not authorize the use of my credit card by Equifax. I received no benefit from the inquiries that are on my consumer report. 15 usc 1602 ( p ) unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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:
I disputed some items that Experian has listed on my consumer report on XX/XX/2020. I received correspondence from Experian on XX/XX/2020, stating " the information was verified. 

On XX/XX/2020, I sent another letter to Experian again disputing the items and requesting their method of ( verification ) Validation of the disputed items. In the letter, I enclosed a copy of my social security card and Georgia Drivers License. I also sent the letter certified ( see supporting documents ) On XX/XX/2020, after receiving correspondence from Experian once again stating " verified '' but no explanation or documentation of the method used to verify ( validation ) the disputed items, I sent another letter to Experian clarifying that the method used to verify ( validate ) the items were what I was requesting. Again, I sent the letter certified ( See supporting Documentation ). 

On XX/XX/2020, I went and had a sworn affidavit drawn up stating the facts up until that point and had it notarized, and sent another letter to Experian demanding deletion of the unverified ( unvalidated ) items. Again, sent the letter certified. ( See supporting documentation ). 

On XX/XX/2020, I received an email from Experian stating " results of the investigation complete ''. I checked the results of the investigation and once again it stated verified or updated but no information or documentation on how the items were verified ( validated ). ( See supporting documentation ) At this point, I am reaching out to the Consumer Financial Protection Bureau because I feel Experian is willfully violating the rights afforded to me under the Fair Credit Reporting Act.

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