BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : XX/XX/ Last XXXX SSN : XXXX Subject : Formal Complaint Inaccurate Credit Reporting by Experian Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian regarding their inaccurate credit reporting and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the inaccuracies in Experian 's reporting of my account with XXXX XXXX XXXX, Account Number : XXXX. 

I have recently obtained my credit reports from both XXXX and Experian and have discovered a significant discrepancy in the balance reported for this account. XXXX reflects a balance of {$0.00}, indicating that no money is owed, while Experian reports a balance of {$1000.00}. It is evident that these balances can not both be accurate representations of the same account. 

Under the FCRA, I have the right to dispute any discrepancies contained in my consumer credit reports. Pursuant to Section 611 ( a ) ( 1 ) ( B ) of the FCRA, if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency is obliged to conduct a reasonable investigation to determine the accuracy of the disputed information and record the current status. In this case, Experian 's reporting of conflicting account balances violates this provision of the law. 

I kindly request the Consumer Financial Protection Bureau to intervene and address this matter with Experian. I seek the following remedies : 1. A thorough and comprehensive investigation into the discrepancies regarding the account in question.

2. A prompt deletion of any inaccurate information from my credit report.

3. Written confirmation of the completion of the investigation and the removal of the disputed account from my Experian credit report.

4. Imposition of appropriate penalties on Experian for their failure to comply with the FCRA.

I appreciate the Consumer Financial Protection Bureau 's attention to this complaint and its commitment to ensuring fair and accurate credit reporting. I rely on your assistance in resolving this matter and seeking the appropriate remedy for the harm caused by Experian 's inaccurate credit reporting practices. 

Thank you for your prompt action in this regard. 

Sincerely, 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 explanation
Consumer complaint received 2020-01-13
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Convergent Outstanding Inc. saying I owe {$5500.00} to XXXX XXXX. I first heard this a year ago on one of my credit reports, I fought it and it was removed, I do not know about the other credit reports as I do not use credit often. 
I have NEVER used XXXX for anything, this is not my debt. 
When I called XXXX they told me the bill came from XXXX XXXX, a company that does not even operate in my state, but they refused to send me any letters as proof of where this debt came from. When they never replied, I assumed this was over with. 
But now I have this debt company trying to sue me for money I never owed. 
How do I make this go away?

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 2023-08-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX  XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance : {$260.00} ; Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX. 
INFORMATION SEARCHING Inquired on XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : 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 explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I disputed items that are listed on my credit report XX/XX/2021. I have not heard a response in the 30 day time frame. 
I would like the items listed on attached removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter from XXXX XXXX XXXX stating that I had debt to them. Investigated the credit reporting agencies and found that there were false phone numbers and a false address in my accounts, and collections reports from Credence Resource Mana ( not XXXX XXXX ). The false address I saw was in my reports was in XXXX XXXX, Texas. XXXX did not show me my phone numbers and only reported three addresses, two were actual former addresses in AZ and the other one my current one. I called XXXX as they are listed as a debt on XXXX, but based upon my social security number, they said that they had closed my account and that I would have to deal with the current owner of the debt. Based on they're knowing my social security number, despite me never being a customer, it is reasonable to conclude that my social security number is compromised. I am on a family plan with XXXX XXXX XXXX, and that account is and has been in good standing with {$0.00} owed. Credit Resource Mana claims that there is a debt to XXXX XXXX XXXX for which they are collecting. Lastly Credit Resource Mana is collecting over {$3000.00} for XXXX XXXX There is another collection from XXXX XXXX XXXX XXXX They are looking for {$270.00} for an apartment called XXXX XXXX XXXX. I looked apartment up and called them, leaving a message to notify them of the likely fraud perpetrated. I will try to file a police report in the city where the apartment is located in Texas as most of the activity seems to have addresses in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
First I was having problems with XXXX and XXXX. After reporting them so much now its Experian. To many false addresses I Dispute them and nothing happens. XXXX XXXX was removed from my credit report. Now its back on there they are falsely reporting my credit card with the wrong credit limit also. My credit limit is XXXX not 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 2020-09-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have excellent credit according to XXXX  and XXXX  however Experian says I have bad credit, won't give me a copy of my credit report. I have been denied a car loan in XX/XX/2017 due to this inaccuracy. I have mailed them copies of my other 2 reports, drivers license copy and SSN.

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 2020-01-13
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Citi Rewards Card Ending in XXXX On XX/XX/XXXX, I received a text message asking me if I tried to make a purchase in excess of {$4000.00}. I replied no to the text and received a subsequent text asking me to call the fraud department. I did. I was actually sleeping when the text came through, but I responded within an hour or two of receiving the text message. 

I called the fraud department and spoke to a CSR and we discussed the situation. The CSR asked me to verify some other purchases. I never made any purchases with this particular Citi card since I had it. I just kept it for the credit building purposes. Anyway, the CSR asked me about other charges for gas at some gas station, a charge for XXXX XXXX and something else. I told him I've never made purchases with this card and know of none of those places. 

The charges were all refunded back to the card. {$4300.00} to XXXX XXXX, {$4100.00} for XXXX, but nothing ever came through for gas or anything else. This was in XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account to see if credit from a different vendor had reached a different Citi card from a XXXX purchase, and I see a balance of {$4100.00} on the Citi Rewards card. That same night I received a letter dated XX/XX/XXXX, indicating that Citi feels that I should pay for the {$4100.00} from XXXX because they think I had the card with me. I 100 % disagree with their findings and feel that I should not have to pay for a credit card charge that I did not make. I didn't have the card and Citi sent me a new card and asked me to cut up the previous card. I put that card away somewhere in a bin with other credit cards that I never use ; I just build my credit. 

I've never used this card for ANYTHING! I never even knew of the charges from the gas station or the XXXX XXXX until the CSR told me over the phone they there were there. Further, how could I be refunded one charge but not the other?

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 2019-05-05
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:
This account was previously removed by all three credit agencies XXXX, XXXX and experian.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceLXXXX   account # 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 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
company violated consumer protection laws Unfair and Deceptive Trade Practices, Truth in Lending violation. i have a CapitalOne VentureXXXX card. an offer appearing to be an upgrade was solicited to me through my account making it appear that, by accepting the offer, that my account would be upgraded to a different product. the offer is actually a deceptive scheme to trick me into downgrading my account from VentureXXXX to lower quality product. 

FALSE ADVERTISING - CapOne prequalifies people for brand cards like XXXX, XXXX which offer different products all named the samer, but does not comply with Truth in Lending and does not disclose the which card of that name a customer is accepting and other necessary facts required for a customer to make an informed decision and know exactly what credit terms customer is applying for. Cap One is soliciting multiple products of the same name, while concealing the fact they have different terms, and they are an entirely different product than the customer thinks they are getting. One may be a XXXX with XXXX guts ( the good one ). The other looks like a XXXX, but has lower quality and less components ( the one they send the customer ). 

i also do not believe CapOne complies with the Equal Credit Opportunity Act and does not treat customers in the same situation equally. CapOne treats some customers badly and other customers fairly, thereby discriminating against certain classes of customers. 

the company also retaliates against customers who complain by giving them worse treatment and never giving these customers anything they ask for, like an evil step-mom that only feeds half of her kids. Venture to XXXX or XXXX is a downgrade in product, not an upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates appeared on my credit report recently this year and I never heard of them. Upon further review they are a debt collector and had an account for XXXX XXXX for a person whos name I never knew. The provided me with the supporting evidence they have that I am on the account. Yet as you can clearly read my name is not on the account and or any supporting documents and Portfolio Recovery Associates also misspelled my name on the letter head they sent to me. The documents state a purchase was made XX/XX/2014 at XXXX for the amount of {$1900.00} with a cardholder not my name or signature. Another purchase was made XX/XX/2014 at XXXX for the amount of {$850.00} with a cardholder not my name or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Vital Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I kept getting call from XXXX XXXX. I have NO debt of any kind whatsoever and a credit rating of XXXX. I have blocked their number but they continue to call and leave the same canned voicemail message. This is harassment and must stop. I received the latest call at XXXX today, X/XX/2018 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An account appeared on my consumer report without any notice and knowledge to me. I was sent a letter dated XX/XX/XXXX from Caine & Weiner ( deceptively hidden ) in attempt to collect a debt of {$230.00}. This account is listed as being opened XX/XX/XXXX on my credit, but I am getting first correspondence of this debt in XXXX, a clear FDCPA violation. had never heard of this company and I did not know the account they're referencing so I reached out to request further information and deletion of this inaccurate account from all national credit bureaus. I sent my letter requesting validation of this debt dated XX/XX/XXXX. My letter detailed the timeline of this debt and it's illegal reporting, it also requested further information into this debt and a full investigation of the origins with written findings produced. I have been met with no follow up response, a letter to confirm receipt of my dispute and this investigation being open and this account is still reporting to my credit illegally without sufficient proof of valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
They submitted my credit without my authorization, on XX/XX/2019, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Investigation took more than 30 days

Complaint:
Between the dates of XXXX/XXXX/2022 and XXXX/XXXX/2022, I sent dispute notices to the following Credit Bureau 's ( XXXX XXXX, Experian, and XXXX ). After 30 days, no response. 

According to your policy ( FCRA & FDCPA ), if no action is made within that period, all disputed item ( s ) must be 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 2022-02-21
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I received a refund notice from XXXX on XX/XX/2022 for an item I returned. The refund went to the credit card ending in XXXX, XXXX XXXX XXXX. The credit card account is closed, therefore, I mailed and faxed ( fax # XXXX ) a letter to XXXX XXXX XXXX. As of XX/XX/2022, XXXX XXXX XXXX has not responded or sent the refund to me.

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 2023-04-17
Company: EQUIFAX, INC.
State: AR
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 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 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 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 response to consumer: Closed with explanation