BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have repeatedly informed the debt collections company that I am not under contract with them and do not owe them. The debt that they are claiming is fraudulent and was from a prepaid card that was already paid for and could not collect more than the money Id already paid upfront and closed. When I did answer and attempt to resolve this the man on the phone started yelling at me and berated me. They continue to call me while Im at work and are relentless in their pursuit of an inaccurate and fraudulent charge to my previous account with a company not authorized or under contract with this company. I really want them to stop, though I blocked the number more than 4 times and they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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 USC 1681. 

XXXX 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 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : 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 explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
My line of work ( non-profit ) was affected by COVID-19 in XXXX of XXXX. Thus, on XX/XX/XXXX, I missed a payment of {$25.00} to XXXX XXXX. I also, missed paying the recurring amount plus interest from XXXX. 

On XX/XX/XXXX, I started a payment plan to pay off {$110.00} by XX/XX/XXXX to bring my account into current status. By XX/XX/XXXX, I paid off this amount and my account was back in current status. 

Because the late payments ( from XXXX, XXXX, XXXX, XXXX, and XXXX ) reconciled by the payment plan mentioned above, ending on XX/XX/XXXX, I started a request to XXXX two weeks ago asking them if they could remove the late payments from XXXX from my profile, as I've had other credit card companies do ( bigger than XXXX ) and it was done without hassle. On XX/XX/XXXX, they responded to my request saying that they would not remove the late payments that occurred during and because of COVID-XXXX. 

XXXX was a horrible year for a lot of us, outside of these four months of late payments, I had no late payments starting back from XXXX. And since XXXX, I've had no late payments. I would greatly appreciate if these late payments were removed with the grace that lots of companies and this country has given its constituents because they care. XXXX claims to care for its customers, but currently I'm not experiencing that.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: VA
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 submitted a dispute to Experian, XXXX and XXXX in regards to fraudulent items on my credit report. I am a victim of identity theft and have been shown a blatant disregard to my due process via the FCRA 605B ( 15 U.S.C. 1681c-2 ). My FTC identity fraud affidavit is attached. It is hard enough to have been a victim of identity theft, yet now I am not being acknowledged in my disputes and my congressional rights are being violated.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
REQUEST FOR MONETARY RELIEF Transunion has violated my rights ; 15 U.S.C 1681 section 602 A. States I have a 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 my written instructions. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed below. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of { {$1000.00} } per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681 Name : XXXX XXXX Account Number : XXXX Name : XXXX  Account Number : XXXX Name : XXXX XXXX  Account Number : XXXX Name : XXXX XXXX XXXX  Account Number : 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 2022-04-19
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I being charged off from the big three bureaus for a debt that was never mine I never lived at the location of where they saying a utility bill is please make the three bureaus please remove these debts off my credit reports!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: PA
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:
Fruad inquiries appearing on credit report.

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 2023-10-07
Company: SYNCHRONY FINANCIAL
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:
This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXXPAYPAL ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.

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 2023-07-31
Company: Experian Information Solutions 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:
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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX : {$9200.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-07-15
Company: Certegy Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/23 - I attempted to cash a check at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of check was {$55.00}. Certegy Payment Solutions LLC, contracted by XXXX issued a decline recommendation, so the check was rejected. 

I was provided with a cash register printout which stated, in part : " ... Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your information held in Certegy 's file, if you request it no later than 60 days after you receve this notice. ... '' I immediately contacted Certegy at the phone no provided ( XXXX ) and made a formal request for a copy of the information held in Certegy 's file. I was told the information could only be provided in writing. I made the request. On XX/XX/23 I received written correspondence from Certegy and the only information they provided was that the transaction did not meet the acceptance guidelines which can vary by store and transaction. There was nothing that applied specifically to me, the check or the transaction. 

I then called Certegy at the phone no on the letter ( XXXX ) and was placed in touch with XXXX. I tried to get more specific information but she could not tell me anything other than " it didn't meet the acceptance guidelines '' but refused to tell me what were the guidelines, or how my transaction failed to meet the guidelines. All she could tell me was that there was no adverse information about me in their files, but would not provide me with a copy of my information held in Certegy 's file. She told me the guielines were XXXX 's. I asked her how could Certegy make a decline recommendation if they don't know XXXX 's guidelines. She replied with a programmed response that my check didn't meet the acceptance guidelines. She suggested I try to cash the check again. 

Today ( XX/XX/23 ) I returned to XXXX XXXX # XXXX, attempted to cash the check again, and received the same rejection. The manger at XXXX couldn't give me a reason for the rejection and informed me that the decision was Certegy 's. 

I feel that I should be entitled to a reason that my check was rejected, so that I know whether I've been scammed, am the victim of identity theft, or will be able to write checks on that account in the future. I do not believe that the information provided by Certegy was a complete copy of my information held in Certegy 's file, as I requested and is required under the Fair Credit Reporting Act.

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 2019-10-15
Company: EQUIFAX, INC.
State: OR
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 a checking account and a savings account with XXXX XXXX XXXX I do not have -- and never have had -- any credit accounts with XXXX XXXX and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, XXXX XXXX continues to access my Equifax credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by XXXX XXXX on XX/XX/2019. They have also done this two times previously. Again, XXXX XXXX has absolutely no permissible purpose whatsoever and Equifax also negligently gives XXXX XXXX completely unauthorized access to my credit reports. 

I have phoned XXXX XXXX on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with Equifax. 

Today I spoke with Equifax. They said there is nothing they can or will do. The problem, they claim, can only be solved by XXXX XXXX. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why  Equifax was negligent in allowing this to happen. If no satisfactory results are given, I may use the courts to seek statutory damages per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I looked at my Credit Report and it has the wrong dates on my credit report. I would like to have this account deleted from my report.

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 2023-07-15
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has done this to numerous people. They received a cancellation letter from my new insurance when I cancelled them and they continued to charge me. They sent it to a collections agency who has harassed me none stop with letters to my house. Now I have seen a drastic drop in my credit score for something I strongly dont believe I owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 non-monetary relief