BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian has failed to investigate a legitimate dispute that I have filed on several occasions. The information with the dispute results is inaccurate and does not add up. I sent in supporting documents, which they deleted and did not send to the creditor. I wasted a month for a report that shows the last time the account was even updated by the creditor was a month prior. None of the comments or history are accurate. There are insufficient dates and data history. I provided ample evidence showing these payments were completed and withdrawn from my checking account, and provided evidence supporting each of my claims to clear this up. When I attempted to reinvestigate the dispute, I was alerted that my dispute was modified for another thirty days. This is incorrect derogatory information being reported, and the credit agency has caused more harm than help by neglecting to investigate my dispute properly. I attempted phone contact with the company, only to have my calls re-routed over and over again.

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 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In reference to the Merchant : XXXX who has fraudulently been using my Social Security Number to open accounts with them, in which I have not ever authorized. 

Hello, Please help me with the Merchant : XXXX who has been harassing me into paying a debt I do not owe. They have opened accounts under my name/Social Security number without my authorization and due to Identity Theft. I have personally already addressed this issue with them back in XXXX, confirming this is a fraudulent account with a police report, however, they have been persistent in harassing me with several Collection companies and continually adding negative remarks to my Credit Report even after the fraudulent account already being removed. 

Merchant : XXXX does not have any accurate details about me other than my name and social security number, which they have used without my authorization due to Identity Theft. 

I have already disputed this fraudulent account with all 3 Major Credit Bureaus and they have confirmed Merchant : XXXX is a fraud and had been opened without my authorization. 

Even after all 3 Credit Bureaus have successfully removed this fraudulent account from my Credit Report, Merchant : XXXX has continually used my Social Security Number at their own free will to add another Fraudulent Account under my name and Social Security Number. 

They have fraudulently added this account to my Credit Report more than 3 times now. 

The dates disputed were back on XX/XX/XXXX, for : XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. 

XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. 

In XX/XX/XXXX, Merchant : XXXX has for the third time, added another collection to my Credit Report with Collection Company Name : ENHANCED RECOVERY CO L - even after this account has already been found as Fraud. 

This is the third time they have used a different Collection Agency to harass me into paying a debt I do not owe. 

Merchant : XXXX and their Collection company : ENHANCED RECOVERY CO L are requesting I pay them {$3000.00} USD for an account I have not ever had with them and which was opened fraudulently. 

Thank you for your help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Account status incorrect

Complaint:
On XX/XX/20 I went to purchase a car at XXXX XXXX in XXXX XXXX, Fl. Upon running my credit report with XXXX and they came back with a XXXX XXXX of XXXX. Yet my score with Experian was XXXX on XX/XX/20 and changed to XXXX on XX/XX/20, day after purchase of car. 

The difference between their XXXX and Experian 's XXXX is over XXXX points. This caused me to pay a much higher interest rate. The car dealer did something wrong or something funny went on. 

Pleas let me know if you can help me recoup the difference I have been paying in interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. A fraudulent XXXX  XXXX XXXX checking account was opened in my name and is on my EWS report. It is preventing me from moving on with my life because I can no longer establish any relationships with any financial institutitons. I filed an Identity theft Report with the FTC that I've attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: ALLY FINANCIAL INC.
State: CA
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:
Lenders would not communicate for a refinance of the vehicle and selling of a vehicle. ally auto lender Reported late on payment of loan when the car was already sold. Needs to be corrected on my credit report because its false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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:
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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2019-01-28
Company: EQUIFAX, 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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Freedom Mortgage Company
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XX/XX/XXXXlate payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XX/XX/2019. It was the first time I have heard of the change in the previous three times speaking with Freedom Mortgage Company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XX/XX/XXXXdue to billing statement they sent to my house on XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XX/XX/XXXXlate reporting. See notes for XX/XX/XXXXreporting please under mortgage notes with company.

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 2019-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX  XXXX  XXXX I received a letter from XXXX XXXX stating that a debt was sold to Portfilio Recovery Associates ( encl 1 ) I responded to Portfolio Recovery Associates LLC on XXXX XX/XX/2019, with 2 letters to 2 different locations with a request for validation of the debt, which included a full accounting of all charges ( encl 2 ). One letter was delivered onXX/XX/19 and the other XX/XX/19 Encl ( 3 ) and ( 4 ). Portfolio Recovery Associates did not respond until afterXX/XX/19 ( 35 days later ) with a cover letter dated XX/XX/19 ( encl 5 ), containing 3 statements with payment due dates of XX/XX/17, XX/XX/18 and XX/XX/18 ( encl 6 ) ( encl 7 ) and ( encl 8 ). The cover letter states that Date account opened provided by the seller wasXX/XX/17, yet none of the statement provided to me had charges from that date. The oldest statement was dated XX/XX/17 and shows a previous balance of XXXX ( encl 6 ). The most recent statement datedXX/XX/18 ( encl 8 ) had a commingled charge of XXXX which was said to be the value of the purchase of the debt. However, the charge appeared on a statement which was supposed to be proof of charges I had made and not a transaction between XXXX XXXX  and Portfolio Recovery. So far Portfolio Recovery Associates has responded beyond the 30 days allowed by law ( 15 USC 1692g 809 ( a ), When they did send documents, they were not a full or accurate accounting of the charges they allege I owe. Portfolio Recovery Associates had this debt put on my credit report undisputed and without proper verification which is a violation of 15 USC 1692g 809 ( b ) and ignoring my written request to have this alleged debt validated and continued collecting 15 USC 1692g 809 ( b ) .They also continued to collect after receiving a cease communication notice 15 USC 1692c 805 ( c ). The second letter I wrote to them is dated XX/XX/19 encl ( 9 ) and certified receipts encl ( 10 ) explaining to them that they had not provided me with the documents that would validate the debt accurately or in a timely manner, and that I insisted that they removed if from my credit report. They sent me a response with a cover letter dated XX/XX/19 encl ( 11 ) which included the same 3 statements encl ( 6 ) ( 7 ) and ( 8 ) stating that PRA LLC has obtained and reviewed the attached documents related to this account, which establish its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Our credit card was stolen and was promptly reported to the credit card company to block the card and avoid future fraudulent charges. Over a few weeks, we still noticed charges coming thru on a blocked card and the bank is unable to explain how a locked card can receive charges. 

They have since posted these fraudulent charges on the account and expecting us to pay. The bank representative suggested we close the account to avoid further unexpected charges instead of identifying and resolving the issue. 

The card we are using is BJs credit card. The services are provided commenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CITIBANK, N.A.
State: AR
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:
creditor reported me 30 days late XX/XX/2013

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 2020-04-26
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:
Experian continually refuses to follow the Applicable laws put in place from the FCRA and the FCBA. I am a victim of identity theft, I have attached a FTC Identity Theft Affidavit, Which describes the crime in Detail. Experian refuses to accept the FTC Identity Theft affidavit, because they have advised that XXXX XXXX  is their " Vendor '' and that they must " Side with their Vendor '' There is a credit card account that is showing as charged off on my credit report, Which has already been reported to Experian as Identity Theft. Experian, Refuses to block this account, and say they conduct a " Investigation '' Which they don't actually conduct. The company XXXX XXXX XXXX XXXX has advised me that this credit card which was opened on XX/XX/2015. Was sent to an address of XXXX XXXX XXXX XXXX, TX XXXX. This is an address I HAVE NEVER lived at. The company closed the card and changed the card number, which then in return Experian Re added the card to my credit file. This is still identity theft. I do not know who received, and or used the card. I have reached out to XXXX XXXX XXXX many times, Their Evidence is not up to par. They state they received a receipt which the company explains I applied for the card, Yet they haven't been able to provide proof of said false accusation. I do not believe Experian is following the applicable laws to protect victims of identity theft. They sent me a letter advising me to provide a valid FTC Identity Theft Report, containing a number that is signed under perjury before they will block the account. Yet, The report I have been sending them is A VALID FTC Identity Theft Report, and IT IS signed under perjury. Again. I did not authorize this account to be open, and you continually add it to my credit file because this is your VENDOR. I do not care if this is your vendor or not, This account is illegal and reporting illegal, No card was ever received in my possession. The Card was  received, and charged from a identity thieve. I did not authorize anyone to use it, and I never even registered on their website. They advised me the email was XXXX which was found on the dark web from experian.

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 2019-05-14
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I have been attempting to work with XXXX XXXX XXXX to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted XXXX to resolve the dept since in have not received any information via mail or phone. XXXX informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is Gurstele Law firm in XXXX AZ. I was able to attain the phone number of the law firm after XXXX told me they would not be able handle taking care of the dept even though it still under their name on the credit report. 

I have attempted to call Gurstele over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called XXXX back and spoke to their legal department on XX/XX/XXXX explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at Gurstele to contact me so we can attempt resolution. No response from Gurstele on XX/XX/XXXX so I called XXXX back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at Gurstele and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX  to tell me his voice mail was full so I was not able to leave a message to get a call back. 

My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. 

Thank you for your consideration as a consumer to get through this! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from ERC in reference to XXXX account from XXXX XXXX  XXXX that went delinquent. I do have credit accounts with XXXX XXXX   but they are all in good standing. I checked my credit report with XXXX, XXXX, XXXX. 

I don't have a XXXX XXXX  credit card. XXXX XXXX would have been reporting to the bureaus. ERC Collections acquired statements from the alleged XXXX account with my name and 2 different mailing address, from the years XXXX, XXXX. 

If I would have opened XXXX account with XXXX. I would not allow it to go delinquent. I would like this investigated because the last 4 digits in the account number end in XXXX. 

In the validation letter that I received there are 2  different mailing addresses and account number ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent them two letters asking them to properly validate this debt, they have sent me back nothing more then generated computer copies that does not validate what I asked for in anyway. 

I keep getting the run around with useless reply letters that do not properly validate in anyway. 

I have also have sent them stated that I am exempt, because my only source of income now is from SSI, with no regards to this letter. 

Amount is {$1400.00}

Company response to consumer: Closed with explanation