BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Prince Parker & Associates
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/2022 at XXXX a lady from XXXX called and said I owe money to XXXX XXXX for a medical debt. They have sent nothing in the mail from their company which she said it was called XXXX XXXX. I told her I want to dispute that and get an itemized statement of the charges as the insurance was not filed or any insurance paid on this bill. She told me that she can not do that and that I have to go through XXXX. Then I told her to send the debt back to them if she doesnt have proof that I owe the money and what is owed is for. She then said no you have to pay me now or I will just put it on your credit. I said legally you have to provide that information to me if you want me to pay you a bill I need proof of what you want. She then again ignored me and said I will just put it on your credit and hung up. So if they can not prove that insurance was billed or what the money they want from me is for then I am not paying someone that will not give me any information other than they want my credit card to pay them. I set a payment plan up on the patient portal and have been paying on this account. It is against the law to threated me with my credit when they will not provide what the money they want is for. They are to send this back to the original company and I will deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-28
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The finished my payments with Discover Student Loans in XX/XX/XXXX. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/XXXX.

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/XXXX and it is now XX/XX/XXXX. My credit score and report are negatively effected because of their negligence. They are a hundred million dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Personal information incorrect

Complaint:
Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account numberXXXX XXXX Open date- XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account number-XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXXXXXX XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX XXXX XXXX- Inquiry date- XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/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 2019-11-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Based on Experia suggesting ways to boost my credit score, they matched me with credit cards I could apply for, that would accept me. I tried 2 of those and it resulted in an instant decrease in my credit score since they both denied me. I have tried calling and the number is automated with no option for dispute resolution, and can not get through to a live human agent. There is no other dispute option except by ground mail, which isn't a viable option at this time.

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 2023-12-15
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:
This company put in Put inaccurate information On my request report, the balance is wrong. I paid it off. Please remove this from my credit for file. This information is in accurate.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: TN
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:
When I reviewed my credit report once more, I discovered that some of the information was erroneous. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$230.00}

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 2023-12-29
Company: First Federal Credit Control, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX a Florida lawyer and debt collector with XXXX XXXX XXXX  XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX and XXXX XXXX from First Federal Credit Control in XXXX, OH kept trying to collect {$3200.00} in medical debt that I did not owe and had been paid by my insurance company. I called and wrote them both and told them my insurance had paid but they put the onus on me to prove it and I finally did but had to call them numerous times and send them information. They tried to intimidate me into paying for debt I didn't owe and if weren't able to fight back, they would have ruined by credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency Can not Furnish an Account Without My Written Instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person Knows Or Has Reasonable Cause To Believe That The 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 2022-11-01
Company: EQUIFAX, INC.
State: MI
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:
Three Credit Agencies XXXX, XXXX, Equifax are reporting false information that is defaming my character. I sent a letter out to all 3 and haven't seen the deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had an arson fire to our large garage and hired a company for board up service. The company we hired was XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, In. XXXX. One young man showed and put up s few pieces of cheap flake board on one garage door and a small window that the arsonist broke for access. This took an estimate of one hour. My mistake was not asking the charge for this. No contract. They billed me {$550.00} I was taken aback, needless to say. I think this is grossly excessive. My complaint went nowhere. They have sent this to a collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: MN
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:
My credit score goes down while i pay All my bills on time.

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 2023-03-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 1681c. section ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Acct # XXXX XXXX XXXX XXXX, acct # 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 2023-05-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2018-08-21
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called sunrise credit services to pay for a balance I had for XXXX XXXX however the representatives that I spoke with, stated an account from spectrum was opened in my name to an address : XXXX XXXX XXXX XXXX NY XXXX that I did not authorize and was not aware of. A debt of {$260.00} was attempted to be collected however I refused to pay because I never opened up an account for XXXX not did I ever reside at that location.

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 2023-06-20
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: Account information incorrect

Complaint:
Hello. On XX/XX/2023, I made a request for Equifax to fix an incorrect credit report on my XXXX XXXX account. ( I am attaching the statement from XXXX XXXX that I sent to Equifax along with my request ). 
Instead of fixing the incorrect credit report, they completely removed my XXXX XXXX account from my credit. And on top of that, my credit score went down by XXXX points. 
Now, this XXXX XXXX account shows up on XXXX XXXX and on XXXX, but Equifax just removed it from my list of accounts and it does not show up there. 
I ask that you fix my credit report and add my XXXX XXXX account back to my credit report. 
I am sorry that I need to contact your company to complain against credit companies, but especially Equifax because they are a complete mess. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted XXXX, XXXX they told me I've never missed a payment, yet TransUnion refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. Please remove these accounts immediately because they are impacting my ability to gain credit.

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 2022-11-01
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PCR  calls several times a day. We called them back and they checked all associated phone numbers with us and they don't have any of our phone numbers on file. So we don't have a debt there that needs to be collected. The rep stated she would forward this information to management so the calls would stop. They continue to robo call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is NOT a duplicate letter or a copy ...... THIS IS NOT A DUPLICATE or a COPY I am a real person trying to get answers on these fraudulent accounts. 

I sent a letter to XXXX and Trans Union on XX/XX/2022. However its been over 30 days and NOTHING. ( please help me ) .Is not making sense. They did not send my investigation back. When i checked out the laws it states Procedure in case of disputed accuracy.If the completeness of accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consume, and the consumer NOTIFIES the agency directly, or INDIRECTLY through a reseller, of such disputes, the agency shall, FREE OF CHARGE, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed info, or delete the item from the file according to paragraph five, before the 30 day period?

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