BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit report with Experian is frozen, and I can not apply for any credit including a new credit card. I have tried to log in with the ID and Password I have stored in my notes, but when I try to log in, I can not do so. When I try to enter " Forget Password '' it asks for my birthdate and Social Security number. When I enter these in, I get a message stating " sorry but that didn't '' match up. So I can not log in to unfreeze my credit report. When I try " forgot ID '', I get asked a security question which I never set up with the company. 

I sent a certified letter to Experian about 2 to 3 months ago, explaining the situation. I included all the documentation they requested to get the matter resolved. I recently received a letter back from them with NO resolution, asking me to send in all the same documentation I had sent in previously. The letter also advised me to login and unfreeze my accounts, but I can not login. There is a reference on the letter they sent me report number XXXX XXXX XXXX dated XX/XX/XXXX. I had frozen my credit report in the past for security reasons, but now wish to unfreeze it on a temporary basis, so the credit card company can continue with my application. This company only uses Experian to check their credit. I have enclosed a copy of the message I got online when I tried to look up my password with " forget password '' - I put my correct birthdate as well as my correct Social Security number, however the message I received was that they do not match! It appears that there is something seriously wrong in their system, as the information I entered is correct. I have also enclosed a copy of the letter I received from Experian. 

Would I need to set up a new account from scratch? 
I would like this matter resolved as soon as possible so I can continue with my new credit card application.

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 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XX/XX/XXXX, I contacted Capital One in regard to an error message that I received when trying to open a checking account. I contacted the Company and spoke with a XXXX representative. She wanted to verify my identity. In doing so, she asked did I open a checking. I told her no. She continued to ask me that and I finally stated, " Ma'am, if you see a checking account in my name then it's fraud ''. " I only have a credit card with Capital one ''. She put me on hold for a long time then came back and said everything was " fixed '' try again in XXXX XXXX. I asked questions and she just said I can't give you any information. On XXXX XXXX, I tried to login, this time the last 4 of someone else 's SSN popped up. So, I called, this time a XXXX representative repeatedly told me I can't give you any information. I explained it's fraud and I wanted to know more about the account that showed my name, address, email and phone number. He also stated, no account was open in your name, that's all I can tell you. Well since then I haven't been able to login my account. Today I called and spoke with a male representative on the credit card side, due to not being able to login my account. He tried many avenues to assist me in gaining access to no avail. He spoke with the banking side, and they told him it was fraud, and someone had in fact opened an account in my name, but it was " fixed '' however, I still can't login my account. He submitted a request for more information as to why. He transferred me to a " Manager '', the XXXX representative got on the phone and immediately said, " there an attempt for someone to open an account ''. When I asked for the information, such as when did this happen, he then stated, " I can't give you that information ''. I said if it was an attempt then why wasn't I contacted and how is it that their SSN shows up and not mine. As well as I still can't login my account due to this fraudulent SSN. My SSN has a fraud alert on due to my identity being stolen in XXXX. I informed him that no one asked me to verify myself as the legal owner. He told me that I had to fax to them a statement requesting information about the account, as well as documents verifying that I am who I am. I informed him that once the fraud was discovered I should have been notified in writing from them and that did not happen. This is very bad business practice for any banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-16
Company: Bread Financial Holdings, Inc.
State: NY
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:
Commenity MasterCard is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XX/XX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit. 

This negatively impacts my credit score and despite disputing this and calling the bureaus and Commenity - nothing has been updated in nearly 3 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
Company: EQUIFAX, INC.
State: PA
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 ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) All 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 also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 C. ( A ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) States : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. Please remove the disputed accounts ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-19
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My complaint is with AMSHERCOLLECTIONSERVICES. 
The original creditor was XXXX XXXX XXXX. For the amount of {$770.00}. This account was originally my XXXX account closed in XXXX and was discharged in my bankruptcy. The collection company duplicated the account and used my company name rather than my name and reported it to my credit for the same exact amount {$770.00}. They claimed it was a separate account but they just used the company which is under the same social security number as my personal name which is as on the account. They knowingly duplicated my account and reported it to my credit ad a open account and changing the dates to be current over 10 times. I disputed the claim and it was removed every time. When the dispute was in my favor and removed from my report they changed the dates to be current and reported it again most recent report to my credit is Between XX/XX/XXXX and XXXX XXXX, XXXX, they claimed it is a open account yes this account has been close since XXXX and discharged by my bankruptcy since XXXX. I contacted the collection company and they said they could not help me and I needed to contact T-Mobile which I did, t mobile had no record of this account nor did they help me in any way. This collection service is fraudulently reporting inaccurate information repeatedly to my credit rating and trying to collect money from me using extortion which has cause me financial distress and lowered my credit score significantly. This has been re reported to my credit continually multiples of times starting in XXXX till this year XXXX. I am contacting a lawyer to start a civil suit for damages against this company and would like to press charges what ever I can do to stop the fraud they are perpetuating on consumers. Please help me stop this abuse. 
Thank you, XXXX 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 2020-07-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]  paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS DEPT OF EDCUATION/XXXX  XXXX never late DEPT OF EDCUATION/XXXX  XXXX never late XXXX   XXXX  XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2023-03-16
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice in the mail from Bull City Financial Solutions , Inc stating I owe XXXX XXXX {$1000.00} and that {$450.00} has already been paid and {$620.00} is still owed and that I have until XX/XX/XXXX to call in to dispute the debt. I called on XX/XX/XXXX and spoke to a man claiming his name is XXXX and I filed my dispute stating I don't owe the money and what I do owe from my hospital visit on XX/XX/XXXX both hospital and physician bill is on a monthly payment plan of {$50.00} that is paid through the billing service used by the hospital and physicians. To this day I still haven't received the itemized bill with list of charges, insurance payments, direct payments, etc from Bull City Financial Solutions , Inc. pertaining to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
Bank of America I Want to dispute negative information that reporting on my credit file on XXXX  you are reporting date of late payment was XX/XX/2018 I feel this information is in correct I have check my bank account and found no payments made to your bank on XX/XX/2018 could you please send me a copy of a canceled check that you made have cash on that date. If not could you please remove this for Inaccuracies thank you!!

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 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
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:
I found inaccurate information in my EXPERIAN credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. 

My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-16
Company: Consumer Portfolio Services, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
U.S.C. 1681 ( 7 ) 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 sc ( 6 ) ( BY ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number Please send the following information used to validate the validity of the invalidated items below ( dismote alter and explan The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute Also. the procedures vour company have in place to ensure each account is 100 % corect which i doubt. 
IF YOU CAN'T PROVE I YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA, 15 U.S. Code 1681e ( b ) Compiance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be under 15 U.S.

16810 Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I wil have no choice but to exercise my nght under FRCA and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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