BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX CO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 What certified documents were reviewed to conclude your investigation? 
Please provide me a complete copy of all the information that was transmitted to the data Furnisher as part of the investigation as required by the FCRA : who did you speak with? What was the date? How long was the conversation? what was their position? What number did call? what is the name of the employee that spoke directly to the creditor? What is the position of your employee that spoke to the creditor? 

According the the fair credit act 15 U.S.C. 1681g ] 609 ( a ) Every consumer reporting agency shall, upon request, subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer accurate information on their consumer report. Section 611 2b ; the consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 15 U.S.C. 1681 section. 617 1a states Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I have attached responses I received from the creditors proving that they have no Knowledge of these accounts The address these creditors have for me on file I never lived there XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny This fraudulent reporting has caused me severe financial and emotional distress

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 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts 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 2023-01-02
Company: Bread Financial Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I called Comenity Bank becaus I was unable to pay my bills with them due to hardship. I spoke with a supervisor who gave me a date of XX/XX/2022 to make my first payment of {$65.00}. I was enrolled in the hardship program. I received an alert on XXXX XXXX 2022 that my credit score has dropped XXXX points due to a delinquent account for Comenity Bank. I called the bank and the harship department. They both claimed they didn't report it and there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I initiated an ACH transfer from Comenity Direct Bank to transfer funds from my Money Market account at XXXX XXXX XXXX XXXX in the amount of {$490000.00}. The following day, XX/XX/2021, I learned that the XXXX XXXX XXXX account had closed and the funds were transferred into my XXXX savings account. I tried to remedy the situation by calling Comenity and advising them and also set up my XXXX savings account at Comenity to allow for ACH transfers. On XXXX XXXX I linked the XXXX savings account to Commenity bank and successfully reinitiated the transfer of funds from my XXXX savings account to my savings account at Commenity XXXX in the same amount. 
On XX/XX/2021, Commenity charged back for the initial ACH transfer that could not be completed, however around the same time they placed a restriction on the account denying me access to all funds in the account. After making several calls to resolve the matter, on XX/XX/XXXX I was told by XXXX on the account protection team that the hold should not have been made and that it would probably be released in 3 hrs on the same day. On XX/XX/XXXX, I called in the morning and am being told that two managers have signed off to release the hold, but there is yet one more manager who still needs to approve of the release of the restriction which was the same thing I was told the day before. I asked for the managers name when I called on XX/XX/XXXX and they said they would send the persons name to me by secure message. I have not yet been provided the name of the manager and I am also told that the person is not on vacation. It has now been 17 days since the restriction was placed on my account and I have not been given an explanation as to why my funds are being withheld. I am not seeing an end in site since I keep being told it will take 3 to 5 business days and they are still waiting on one specific manager to sign off on the restriction. This is an absurd, frustrating and time consuming process that makes no sense. I ham not being contacted by Commenity or being given any information as to why I can not access my funds. I am requesting the Consumer Financial Protection Bureau assist me in gaining access to my deposits as it feels like the process is completely stuck!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-01-02
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:
I filed a complaint on XX/XX/2022 and explained that all XXXX bureaus were reporting a charged off account inaccurately due to me reaching out to the bank and them sending me a letter saying they cant find the account that is being reported. Experian claimed to send results saying that the item was removed from my credit report but it wasnt. I have Documentation of the letter from the creditor stating they can not find the account associated with the negative account reporting on my credit reports. XXXX and XXXX both ignored the request and claimed to have updated but nothing was changed. Updating is unacceptable it needs to be removed ASAP. As I will remind you, XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' Please have all bureaus removed this inaccurate information. I have been disputing this for 2 years now and if it is not resolved I will Take legal action as it is my right to do so. It is in accurate information and they wont remove it.

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 2023-04-20
Company: EQUIFAX, INC.
State: TX
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 following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I had/have a PayPal account XXXX There is a {$54.00} balance. I never received any notices in my account about problems, but suddenly I couldn't send it receive any funds from the account. I contacted PayPal and was informed that I broke the agreement of the Terms and Conditions, but they would not ( told me they could not ) tell me how I did that. They will not allow me access to my funds, nor will they allow me to remove my bank or credit cards from my account. They only thing i have been about to find out about this is that they have 180 days to do something, but since I have no idea when this started I have no idea how long I have to wait, as well as that they may charge me up to {$2500.00} as a fee for what I did wrong ( though I still don't know what, if anything I did! ). And I feel like being tricked and scammed out of my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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:
Date : XX/XX/2022 To Whom It May Concern : This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/2022, I mailed you a letter disputing ( 10 ) accounts as fraud, as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/XXXX. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required Thank you in advance, 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 2023-10-04
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with NAVY FEDERAL CREDIT UNION, Account number XXXX. i do not have a contract with NAVY FEDERAL CREDIT UNION. i am also not liable for the debt of {$8600.00} with XXXX XXXX XXXX, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with XXXX XXXX, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account STATE OF XXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to XXXX8 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 decided to check my credit report some time ago and I wanted to point out that XXXX has been participating in racketeering activities and has abandoned their fiduciary duties as a financial institution. 29 U.S. Code 1109 ( a ) states that any fiduciary that breaches any of the responsibilities, obligations, or duties imposed upon fiduciaries by this subchapter shall be personally liable to make good. According to the United States Congress, no transactions of mine should ever be reported to any third party. Who gave you all any permission to report any information about my DEPOSIT account that I had many years ago, and the additional boldness to continuously declare up until this time to claim fraudulently that you have received insurance payments by updating about the account status that should not be there in the first place. This financial institution is masterminding along with the credit reporting agencies to acquire my PERSONAL INFORMATION and furnish it to damage my name willingly and falsely update the information and resetting the time of removal naturally. Let this be my official complaint. Your policies and corruption do not over see the LAW of the UNITED STATES OF AMERICA. I will be reserving my rights of litigation that are allowed by the law up to the amount of {$1000.00} for each violation. Not only to the financial institution but also against Transunion, XXXX, and XXXX for furnishing inaccurate and incomplete information and participating in extortion and debt parking, and racketeering activity.

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 2018-01-15
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am filing an complaint with the company LJ Ross as they have been trying to collect a debt that is not mine. The dates that they claim the account to be opened on are below. I have tried to resolve the late payments with this company and have not gotten anywhere. These debts were paid by the medical insurance company and are not owed. Please remove these off of my credit report. I am trying to buy a home and these are holding me back. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXX  .... Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX 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 explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation