BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: AL
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/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. 

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.

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 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/XXXX I called Capital One to report XXXX fraudulent transactions totaling {$1000.00} that were made on my card to a merchant called XXXX in the months of XX/XX/2022 and XX/XX/2022. I have never heard of or used the services of XXXX. Capital One credited my card for {$1000.00}. On XX/XX/XXXX Capital One sent me a letter saying that per their investigation the charges were not fraudulent and they re-debited by card for the {$1000.00}. I called Capital One and spoke to the fraud department about this and they told me they did not investigate if the charges were fraud, but simply are declining to reimburse my card because the charges were from XXXX and XXXX. This card is used for business and it's has {$20000.00} plus charges on it per month and I did not notice the fraudulent charges until I reconciled my statements in XXXX. I again asked Capital One to reimburse my card for these fraudulent charges but they declined. I want to warn consumers that Capital One may not take care of them if fraudulent charges are made on their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2022 I sent a letter explaining to the XXXX  that I was identified as a victim of an information breach. I checked my credit report and found information that I don't recall applying for the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2022-12-01
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted LexisNexis since XX/XX/2022, and filed a dispute directly with them and they refuse to remove my information from their database and stop reporting legal case information on my credit report, which does not meet the reporting requirements or compliance with the reporting guidelines required and established by FCRA & the Consumer Financial Protection Bureau, CFPB. Unfortunately, LexisNexis has continued to report the information to my credit every month even though I have provided them with an email response from the Courts in which they indicate that they do not provide legal case information to the credit bureaus or to any 3rd party companies. Because of them reporting my information to the credit bureaus, I have a stalker who has now found my address and where I live, so if my safety is endangered because Lexis Nexis refuses to stop reporting my personal information to the credit bureaus then who will be held liable if something were to happen to me now that my stalker has found me and found my address?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Ronald B. Rich & Associates, PLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
THE COMPANY RONALD B RICH AND ASSOCIATES DEBT COLLECTIONS PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15USC 3002 i AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial ProtectionXXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is athe Consumer Financial Protection Bureau. On XX/XX/1933. Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purported to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particcular kind of coin or currency, or in anmount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upond payment, dollar for dollar, in any coin or currency, or which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumers report '' means a consumer report or portion thereof in which information on a consumer 's charater, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, freinds or associates of the consumer reported, on or with others with whom he is acquainted or who may have knowlege concerning any items of information. Pease see attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian 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.

15 U.S.C. 1681 Section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others or whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not incluide factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. Transunion, XXXX, XXXX ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXX XXXX  opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX  opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MS
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:
I did not consent to authorize nor benefits from the following account ( s ).

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 2022-12-01
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 A check for {$3300.00} was sent for westlake financial to endorse and return to me. I still have not received my money back to get my car fixed. I can never get through to anyone I NEED my money back. Someone lied and said they would over night ship it and even send me an email with a tracking number, yet XXXX still hasnt received it yet and the was days ago. I am paying a car note on a broken vehicle and if they do not return my money I no longer want this car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I mailed a letter to XXXX XXXX XXXX, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.

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 2023-08-29
Company: I.C. System, 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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-07
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act : XXXX misused and disclosed personal information to these companies without authorization. When I contacted XXXX, they advised me to contact all the companies. Their response is an unfair practice to not investigate. As called the all these companies they asked me for all my personal information which they did not provide. 
XXXX violated the following. 
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 an account without written instructions. 

XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have filed a FTC complaint, and Transunion still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove the items IMMEDIATELY ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$71.00} XXXX XXXX XXXXXXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES-HARD XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOFT INQUIRIES XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXXTRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please find attached the relevant documents. I urge the bureau to commence an investigation into accounts where I am consistently punctual but are erroneously marked as late.

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 2022-09-21
Company: EQUIFAX, INC.
State: SC
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 XX/XX/22 and XX/XX/22 I reached out to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. I was never notified of these accounts prior to them being placed on my credit reports. The last I was told anything about these accounts were at the medical facility and they stated they were submitting the claims to my insurance and that I wouldn't have anything to worry about. So to later find that these accounts have been placed on my credit reports without ever receiving a notice, letter, or anything is very disturbing to me. 

As of today XX/XX/22, several months after my initial request I am still awaiting the information on how these accounts were verified and why they were placed on my credit reports without being informed of the accounts prior to placement. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. I truly don't agree with them being on my credit reports but I would definitely like to receive the information that was verified prior to them placing these accounts on my credit reports. 

I demand that these accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXX Bankruptcy. Credit Bureau provided response stating information was " verified '' XX/XX/XXXX & XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Arcon Credit Solutions LLC
State: WI
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 received information about a collection account for XXXX XXXX XXXX card backed by XXXX, which I do not recognize. I have had identity theft which has been reported since XXXX and even have fraud alerts and credit freezes. 

I have asked multiple times for a copy of the original contract with my signature as validation of the debt and that it's mine, again because I don't remember a XXXX XXXX XXXX backed by XXXX. They will not provide it to me, but will claim that statements showing charges and payments validate that it's my debt.

Company response to consumer: Closed with explanation