BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
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:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX  XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of  {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CNG HOLDINGS INC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to XXXX on XX/XX/XXXX, to purchase a washer and dryer and was presented by the sales representative that I could lease it instead of paying the entire amount all at once. I was approved for a little over {$1800.00}, once I received my lease agreement I still assumed that my lease was no more than {$1100.00}. Once I reached my 5th payment I thought that my bill total will be completed taken the washer and dryer was only {$1300.00}. I contacted the customer service number and the guy was saying once I reached my 5th payment I could buy out the purchase or continue to lease it. So I asked how much is owed he went on to transfer me to someone who would be able to assist. After being transferred to numerous people, the line was disconnected. The next morning ( XX/XX/XXXX ), I sent an email requesting a payoff amount with no response, a couple days later I sent another email requesting a payoff amount as well as stating that after adding up the total amount of payments made through XX/XX/XXXX, my total purchase would be {$4000.00}. That was looking at the payment schedule that was posted on my account. 
I think this company is very misleading. I filed for bankruptcy and as my attorney was reviewing the lease agreement, he couldn't make out the terms saying the contract makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/XXXX I ordered {$900.00} worth of products from Saks Fifth Avenue to be delivered to my home where I have been working for the past year. I have been saving this amount since XX/XX/XXXX so that I could splurge and treat my ravaged complexion [ I am XXXX XXXX XXXX ] to the products I ordered. I received an email from Saks that I would receive delivery of my order on Sunday, XX/XX/XXXX at which time I was working on my laptop at the window that looks down at the street and the entrance to my house. I rent an apartment in a brownstone there are two other apartments in the main part of the building. On XX/XX/XXXX, I believe that I was the only one in the main part of the house. I am not sure whether anyone was home in the garden apartment. I looked out the window every so often to see if the XXXX delivery person was approaching the house no. When I received an email that the package was delivered, I again looked out the window and saw no delivery truck or person. Nobody rang my bell. I ran downstairs and there was no package in sight and in looking up and down the street, no delivery person or truck in sight. I immediately called the customer service line at Saks and spoke to several people about my not having received delivery. I was told that they would investigate the matter and would contact me. 

I subsequently received a letter dated XX/XX/XXXX with the Saks Fifth Avenue logo at the top left-hand side of the page and signed by Capital One Card Services, Customer Service Department stating that they would investigate the matter and let me know the results. 

I then received a letter dated XX/XX/XXXX that had the Saks Fifth Avenue logo on the top right side of the stationery and Capital One printed on the bottom left side of the page. The letter said that they determined that the package had been delivered. They enclosed with their letter the travel history of the package, a notice that no signature was required and that they therefore determined that delivery was made and that I have to pay {$900.00} with nothing to show for it. 

I subsequently called the customer service line again and spoke to a Ms. XXXX who transferred me to a Mr. XXXX who transferred me to a Ms. XXXX who transferred me to a Ms. XXXX. Ms. XXXX said that I would receive a credit and gave me a case number. To date, I have heard nothing further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
The company Portfolio Recovery Associates, LLC says that they brought my account from XXXX XXXX in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for dentures that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the XXXX XXXX credit card that I used to purchase the dentures and XXXX refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
According to the fair credit act XXXX XXXX XXXX, acct # XXXX, violated my rights! 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-02-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
insurance co. sent additional bill. I called mortgage co. And told them not to pay from my escrow account because I had already paid it. After 1 hour and a half on the phone explaining it, they paid it out of my escrow any way.

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 2020-11-13
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credence, is reporting a debt that they say is owed to XXXX. I have never purchased XXXX. XXXX XXXX XXXX XXXX was reporting this debt and removed due to the inaccuracies. Credence has not communicated with me! Credence did not give me my 30 day right to dispute prior to adding this collection to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Fifth third is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and 5th3rd needs to delete this off my credit as it is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX, XXXX I received an offer from Barclays Bank for XXXX bonus miles. The offer said : SPEND {$2500.00} or more.using your XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX and youll earn XXXX bonus miles ( Slide 1 ) I went online to sign up for the offer and received the message : Register now to earn XXXX bonus miles when you SPEND {$2500.00} or more in purchases every month from XX/XX/XXXX through XX/XX/XXXX ( Slide 2 ) They now refuse to give me the miles because they argue I spent {$2300.00} and not the required {$2500.00} in XX/XX/XXXX ( Slide 3 ). A look at my credit card statement shows they recorded purchases from XXXX for {$93.00} and XXXX for {$71.00} on XX/XX/XXXX and XXXX for {$50.00} on XX/XX/XXXX. ( Slide 4 ). I went to my accounts with the above mentioned companies. Slide 5 shows that the XXXX  payment ( see more about this payment below ) took place on XX/XX/XXXX and was processed on XX/XX/XXXX. Slides 6 and 7 show that the XXXX and XXXX payments took place on XX/XX/XXXX. If we add these payments to my XX/XX/XXXX totals, I did SPEND over {$2500.00} ( $ XXXX+XXXX+XXXX+XXXX= {$2500.00} ). I took a screenshot of my account ( Slide 8 ) on XX/XX/XXXX at XXXX. It shows available credit for {$16000.00} on revolving line of {$19000.00}. That is because I was SPENDING money to make sure I met the threshold, which I did ( $ XXXX- $ XXXX= {$2500.00} ). On XX/XX/XXXX, I contacted the bank regarding the transaction dates ( Slide 9 ). The CSR acknowledged that the transaction, authorization and posting dates may be different. In fact, slide 5 shows that I made the XXXX payment ( SPENT ) on XX/XX/XXXX which they processed on theXX/XX/XXXX. Slide 8, which is from the bank web page, shows they received a request for a temporary authorization on XX/XX/XXXX, but they registered the transaction on XX/XX/XXXX ( Slide 4 also from the bank ). Three different dates for the same transaction, a 2 day lag between the day I SPENT the money and the day the bank recorded it. I faxed the appropriate information to the bank on XX/XX/XXXX, contacted them on XX/XX/XXXX and then called them on XX/XX/XXXX. They refuse to give me the bonus miles. I can control my spending, I can not control when the merchants or the bank register my spending.

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 2020-12-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: TX
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XX/XX/XXXX data breach and may have fell 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 2021-03-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed an account on my credit report with Experian. 

They show an account with XXXX XXXX XXXXXXXX on my credit report ( this account does not show up on my XXXX or XXXX credit reports ) that I have never seen in my life. 

I've contacted multiple people at XXXX XXXX XXXXXXXX who have confirmed that there is no record of my social security number or name in their system. The account in question was opened in XXXX, when I was less than XXXX XXXX XXXX. My family has never worked with XXXX XXXX XXXXXXXX either. 

I disputed the issue on XX/XX/XXXX and the dispute was closed XX/XX/XXXX as a valid report. I have called Experian and they have refused to provide any additional information about this account or how I can dispute it further. Nobody I've spoken with at XXXX XXXXXXXX XXXX knows how to assist me further with this issue. 

I spent over 3 hours on hold with various representatives at Experian today who have been rude and disinterested in helping resolve the matter. They tell me the dispute was closed and is considered resolved. Today, XX/XX/XXXX, I spoke with 'XXXX  ' at XXXX EST at Experian and he refused to help me escalate the issue within Experian or connect me with his manager. 

This inaccurate credit report is severely impacting my ability to be approved for a new home mortgage and, if it is approved, is severely impacting the interest rate of this mortgage. 

Experian is abusing their power as a credit bureau and needs to be held accountable for their inability to do the only job they are responsible for.

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 2018-10-02
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexisnexis has n complete information in my file, I have filed a complaint with you, Lexis Nexis replied thayt I should call an XXXX number they provided, That got me no where the person at the XXXX number said it was wrong department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Kingston Data & Credit International Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive never been contacted never heard of this company KINGSTON DATA AND CREDIT and the this is not my debt I never had a membership with XXXX XXXX XXXX my brother stole my identity and I have been going through this for month I have a police report number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: OH
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:
im really fed up w the way equifax buys time acting like there investigating my complaint. this is the 6th time ive filed and ive lost track of how many months have gone by and nothing has changed except Im getting denied credit due to mis information and lack of information alomg w wrong info that has not been changed or updated since XX/XX/2019 yet you allow equifax to pretend there investigating only to come back telling me they sent out inquiries to my creditors to get info why there messing up instead of them admitting there the problem. then i get a reply telling me be more specific? how much more specific can I be about my report not showing up when a creditor tries to see my report and if they do somehow get one its all bogus info dating back to XX/XX/2019 and blank in most places. I want compensated for there negligence and by law ive got ever right to get it. im 64 im not getting younger ive been debied a home loan, a car loan, a bike loan a personal loan and they use covid 19 as there reason there behind. i am sick of hearing that my XXXX is losing everything and i have nobody i can blame because of this virus. i think my info was comprimised back when equifax got hacked and there doing everything in there power to cover it up and buy time. youve cost me my most valuable asset of time wasted n You are held accountable. look at my complaints if you need more background they speak for themselves. lastly equifax has emailed me telling me they answered my disputes. thats nice if i could sign on to myequifax but they locked me out for reasons unknown so i have no recourse or idea what they have said but im sute its XXXX n buying time tactics putting it back on me. im done with this broken one sided system. the law is not on my side its obvious im the lil guy n you could care less about me or fixing my credit. so pay me now or pay me more later. IM SICK OF WASTING MY TIME TRYING TO PLAY BY THE RULES THAT ARE MADE FOR YOU TO IGNORE ME N HOPE I GO AWAY. I WONT TRUST N BELIEVE IL CONTACT SOME ATTORNEY WHO KNOWS THE GAMES YOU PLAY AND THEN MY DAY WILL COME. THIS IS UNFAIR AND NEEDS PUBLISHED SO OTHERS KNOW THE GAME YOU RUN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation