BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant XXXX XXXX XXXX XXXX by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2022-04-06
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My family and I moved out of the XXXX XXXX apartments in XXXX XXXX, TX in XX/XX/XXXX. We were never told by management that we had owed any money and we were paid up until we moved. We provided management our forwarding address and we also were still receiving mail at the property up to a month later. We never received any documentation regarding this collection, no phone calls. I have disputed this time and time again. This has been removed from my XXXX account due to the statute of limitations. Its been past XXXX years by TX laws and past XXXX years by GA laws. I didnt move from TX until XXXX. This has been removed and replaced on my credit several times in the past year and the balance has increased. This collection was also put on my credit in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I contacted Experian regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report.  Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX and 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 2022-11-26
Company: Messerli & Kramer P.A.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX has Messerli/Kramer out of XXXX Mn handling the collection. The lawyers from day one have lied and been underhanded about the debt. When they first called they said they had to verify it was me and needed my birthday and ssn when I asked what this was about they said they couldnt tell me unless I verified myself. I told them I dont give out that information without knowing what it is about. They said well maybe we have money to give to you. I hung up on them. Then they had me served with papers to go to court. I had 21 days to get a hold of them which I had and was trying to reach a agreement. But they went to the judge and told him that I ignored them and the judge was going to garnish my wages. I wrote to the judge to tell him how they were handling things and he gave me a day in court. We reached a settlement of {$65.00} a month till paid. That was a few months ago now I get a phone call and they said I told them I would pay in full at 6 months. I told them that I did not say any such thing. When we reached the settlement I was told that the account was closed and that I would pay until paid in full. I was under the impression that the account would not be collecting any more interest either because I closed a few other accounts and they stopped charging interest. These people are still charging me interest and I am never going to be able to pay it all back because every month it is going higher. The bill now is higher than when we closed the account! I tried calling them and they said that they didnt have the authorization to do anything about it. I asked if they could talk to the people that do and they said no and that was that. I told them that I might have to file bankruptcy if I cant get it paid off and they said oh well. They are rude and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX XXXX  # XXXX IDENTITY THEFT 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 of 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 2017-11-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian Credit Report shows a hard inquiry from XXXX XXXX in XX/XX/XXXX. I know for a fact that I have n't authorized anyone to pull my credit since XX/XX/XXXX. Contacted Experian and they said I have to contact the company directly. Called the number listed on the Experian report and the number is disconnected. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Fair Collections & Outsource XXXX XXXX XXXX XXXX XXXX, MD XXXX File Number : XXXX XXXX XXXX RE XXXX XXXX XXXX, {$7800.00} Dear Fair Collections & Outsource, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC.

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again
except to provide information or documentation to clear up my reasons for disputing this debt.

If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping  accurate records of all correspondence including tape recording all phone calls. 
Thank you, 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 explanation
Consumer complaint received 2023-03-12
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my CONSUMER report I noticed a few updates with companies posting there. ENHANCED RECOVERY COMPANY being one of the companies. ENHANCED RECOVERY COMAPANY is alleging that i have an alleged debt totaling {$1300.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call on Tuesday, XX/XX/XXXX from a debt collection agency called XXXX XXXX XXXX ( " XXXX '' ) claiming that I owed several hundred dollars in credit card debt for a card open under Synchrony Bank. I explained that I have never opened a card with this bank and that the charges were fraudulent. This was the first time I had ever heard of these charges from any party, yet a debt collection agency was now attempting to make me pay for fraudulent charges that I had never been given a chance to collect. After the call with XXXX, I immediately called Equifax to file a fraud alert on my credit score with the three major credit rating entities ( I was told that once one of them is informed of a fraud alert, the others are also informed ). I then called Synchrony Bank to inquire about the charges. They stated I had no account open with them and no outstanding balance. I called XXXX back to obtain more information, and then sent me a series of documents, including correspondence sent to an address that I have not lived at since XX/XX/XXXX, which is likely why I was just hearing about these charges for the first time. I also learned that the charges were actually through a Banana Republic/Gap card issued in some kind of partnership with Synchrony Bank. On this second call, XXXX stated that I should send them any documents related to my contesting of the charges. So, I then called Banana Republic credit card services, followed directions related to the nature of this issue, and received automated instructions to send my dispute in writing to a specific PO box in XXXX, FL ( the letter is attached to this complain ). Accordingly, that same day, I mailed a letter describing the nature of my dispute of the charges ( they are clearly fraudulent because I did not incur them ). On my second phone call with them, XXXX also stated that I should send them any documents related to charges or filings with any authorities. That is why I am reaching out to the appropriate government agency. I did not incur these charges -- clearly someone illegally obtained my information and used it to incur these charges and I should not have to pay for them.

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 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I notices there are A LOT of inaccurate information including personal information ( name, address ), account information inaccuracies including but not limited to incorrect or inaccaruate balance, terms, dates of reporting, mis-information regarding account information. Furthermore, late payments Listed under the collection account name account number from my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency this collection claiming a history of late payments is a false representation to my relationship with them they can not report any payment history on the account from the alleged creditor before them a collection is by default derogatory this goes without saying please delete ALL negative information from my credit report immediately ( I have provided proof of negative informtion in this letter. Under the FCRA certain inaccurate information in all reports ( XXXX, XXXX, and XXXX  ) also to include third party consumer reporting agencies. The following are violating my consumer rights : NEGLIGENT VIOLATION- failure to comply with the FCRA Litigation Activated- violated the FCRA by negligently Failing to follow reasonable procedures for ensuring the accuracy of consumer information.

Failing to properly investigate or reinvestigate a consumers dispute.

DAMAGES AND REMEDIES- failure to comply with the FCRA I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

I am requesting that the item be [ removed, updated, or other suggested change ] to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I returned something but I did not get my credit back so I filed a claim on PayPal ( Case ID : XXXX ). 2 days later, I was permanently limited. PayPal did not help me with anything but instead I was penalized for something I was victim of. This is most ridiculous thing I've ever experienced in my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 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 Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have reached out to the credit bureaus XXXX, XXXX and transunion regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.

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 2023-06-28
Company: EQUIFAX, 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:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I tried to withdrawal {$400.00} from XXXX ATM SERVICED by XXXX.this was on XXXX XXXX in XXXX XXXX got an error that said money was returned because it wasnt retrieved fast enough. Unfortunately, I did not take picture of error. IT SAID to contact my financial institution. I did immediately. and reached out to Chime My dispute was denied with no explanation. I have filed an appeal, but have heard nothing. I was leaving the next day for vacation and was going to see from XXXX how to contact XXXX Im sure there are cameras on the ATM to see I never received the money. In fact I never received the message to take card to get money. I had a difficult time getting my card out. I talked to a XXXX employee who saw me having trouble getting my card and got manager. Manager advised they couldnt help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CREDIT ACCEPTANCE CORPORATION
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:
The accounts I am speaking about today has failed to verify any alleged debt. They also furnished my credit report without my written consent. Pursuant to law 15 USC 1681.

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 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2023 - I submitted a dispute to remove negative items on my report via mail. 
XX/XX/2023 - I received a standard automated email saying that it is not me who sent this mail and they do not believe it is me who requested to dispute items in the report. 

I am frustrated from the way Experian is handling my dispute requests. They are delaying my dispute requests and ignore them in purpose. Until when they should fix my report and respond to my requests???? 

I will seek legal help for this until my report is fully fixed.

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