BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: Conduent Incorporated
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a Way2Go Card ( XXXX XXXX ). I have been unable to use the card issued to me for the past week. It got rejected at XXXX, XXXX, and XXXX XXXX. The phone number on the back of the card ( XXXX ) does not allow me to speak to anyone about this card. I have not been able to start an online chat as I am not given the opportunity to do so. I am asked for my card number or social security number. When I enter my social security number I am told this is an invalid entry ( though I'm pretty sure I know my own social security number after having it for XXXX years ). It them tells me I have to enter a XXXX digit card number which I do, even though at this point it no longer permits me to enter my social security number. In order to start a chat you have to provide a card number. When I do I am not able to start a chat. The back of the card says that this company is available XXXX hours a day, XXXX days a week. But it doesn't matter when I call them as they do not answer their phone. I did a web search and found another phone number ( XXXX ) for this company but I am not given the opportunity to speak to anyone either. There is no email address provided to me which I can request information regarding this card and why it no longer works. I also tried using a third phone number ( XXXX ) - this one obtained from XXXX -regarding this company and I am not permitted to speak to anyone at this phone number either. I was prevented from logging in to my account, even after providing the proper username, password, and answering the Security Question ( first name of childhood friend ) correctly. I have attempted contact by XXXX phone numbers, online chat, email, and website access and can get no information why I can't use my card or why I can't speak to anyone about it, or why I can't start an online chat with someone. The only option at this point it appears is to write them a letter and mail it USPS, provided that the address they list on their website is indeed a correct address to which they will respond, which at this point I have my doubts about this as well. In light of this, I had no recourse but to file this complaint with the CFPB. I would love to upload documents regarding this complaint, but as I have stated I have no access to the company. I could make a voice recording of the company 's " customer service autobot '' and the absurdity the " phone maze '' takes in preventing me from speaking to someone at this card company. But I can not upload it here - only documents -- which I don't have access to because I can't speak to anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXXXXXX

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 2022-12-18
Company: Experian Information Solutions Inc.
State: NC
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:
This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from XXXX Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GAXXXX  XXXX XXXX XXXXXXXX  GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THAN

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 2021-01-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FCO will not remove an apartment rental from my credit report although provided correspondence from the prior leasing office. Also FCO failed to provide copies of actual correspondence from XXXX XXXX XXXX indicating that I do actually owe this debt. FCO only sends an expired and voided lease from XXXX and a ledger even though the email from the leasing office indicates my balance is {$0.00}. Also contacted XXXX XXXX, they confirmed they have sold the property, have sold off debt and no longer the owner of any accounts from XXXX and the past. When I have informed FCO they have ignored the request and updates the collection account as " new '' on my credit report. Due to their actions, my credit has been compromised and led to declination of credit lending.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: NV
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-09-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}

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 2021-01-07
Company: EQUIFAX, INC.
State: NV
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:
I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I went to temporarily unlock my credit report and then relock it and these thieves automatically, without my consent, signed me up for some paid service I have no interest in and do not want. When I went back into my account to unsubscribe to this service and relock my account, it now tells me it's a paid service, but there's a " freeze '' option. When I went to do that, it made me have to create a whole new account. When I tried doing that, now it tells me it can't verify my info. IT WAS ALL THE SAME CORRECT INFO! Then it tells me to call a number, and the number brings you to foreign outsources script reader who keeps cutting in and out and is difficult to understand. They've purposely changed everything so you don't know what's free and what they're charging a subscription for and keep transferring you to new accounts. I DON'T WANT ANY SUBSCRIPTION SERVICES! I JUST WANT TO FREEZE OR LOCK, OR WHATEVER MY REPORT! PERIOD! I DON'T TO BE SOLD ANYTHING AND TRICKED INTO SIGNING UP FOR THINGS BY THESE SLEAZEBAGS

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 2022-10-03
Company: Experian Information Solutions Inc.
State: NE
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:
I am asking with humility to please remove the late payment on my credit report. Had it not been for XXXX, I would be in full satisfactory standing. I am asking for a goodwill request as I am suffering from this late payment. Please help by removing the late payment.

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 2021-04-25
Company: Professional Recovery Management
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 attempted to resolve the debt with Fox Collections, I am disputing the debt because my XXXX XXXX should have covered the amount owed, the original creditor never filed this insurance claim to receive their payment I am also filing complaint as to why Fox Collections would note my credit report as Medical Collections, I believe this is a HIPPA Violation and notating Medical can cause another creditor not to accept my application or discriminated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 davs and vou are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all 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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I am writing to formally request the removal of two accounts from my credit profile with XXXX, which are causing a detrimental impact on my credit history. The accounts in question are listed with the last four digits XXXX and XXXX, and they belong to XXXX XXXX I believe that these accounts should be removed from my credit report as they have been discharged, and the IRS 1099 has been provided to confirm their status.

According to the information provided by the creditor, the debts associated with these accounts have been legally discharged. This discharge signifies the conclusion of my obligation to pay these debts. In line with this development, I kindly request that you remove these accounts from my credit profile and update my credit report to reflect their discharged status. This will accurately represent my financial situation and provide a more comprehensive view of my creditworthiness. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that your organization may have violated these rights, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b. Let me explain why I believe these violations have occurred : 15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

15 USC 166b : This is a significant part of the FCRA, which sets out requirements for obtaining and using consumer reports for employment purposes. While this section may not be directly related to the issue at hand, I believe it is crucial to mention it to highlight the importance of accurate and lawful reporting, especially regarding discharged debts.

I kindly request that you investigate these matters and take prompt action to correct my credit profile. Removing these discharged accounts and updating my credit report will help me maintain an accurate credit history, which is essential for various financial transactions, including obtaining loans and credit. 

I look forward to a timely resolution of this matter and request written confirmation once the necessary changes have been made to my credit profile. Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX XXXX, and I am DEMANDING that you take immediate action regarding my CFPB complaint. Despite submitting a complaint earlier, I am appalled to see that the fraudulent accounts and information STILL exist on my credit file. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX are UNAUTHORIZED, and I DEMAND that you remove them immediately as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect that you will take swift action and provide me with a written explanation of the steps you have taken to resolve this issue.

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 2021-01-07
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the creditor to let them know I am a victim of identity theft ; I have never resided in XXXX XXXX nor did I go to seek medical care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-10-03
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
company is trying to collect on an account that has already been paid. Company has also been sharing my personal information to third parties without my written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have 3 credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX  balance {$380.00}

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 2023-10-23
Company: Experian Information Solutions Inc.
State: PR
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 withthe Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX Has violated my right

15U.S.C 1681Section 604 A Section2 it also
State a Consumer Reporting Agency cannot Furnish a account without my written instrutions

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