BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous Complaint requesting the removal of the fraudulent accounts and information off of my Credit File. It is important to emphasize that, according to the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are causing significant harm to my creditworthiness. I did not open the following accounts neither did I authorized anyone to do so in my behalf, therefore I need you to remove the following items as soon as possible : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I want to make it clear that I have already reported this fraudulent activity to the appropriate authorities and provided all the necessary documents to prove the fraudulent nature of these items. I have also requested that the responsible creditors investigate the matter and remove them from my credit file.

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 2017-05-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :  XXXX   XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  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 2019-10-08
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
*Update* I disputed XX/XX/XXXX this with CFPB and the company responded that they would have it deleted from credit bureaus within 24-48 hours however, they only had it deleted from XXXX and XXXX. It is as of today ( over a week later ) STILL on XXXX. 

*Original dispute* In XXXX of XXXX I was approved for 100 % financial aid with XXXX XXXX XXXX. The dates of eligibility was effective from XXXX. I went to the hospital on XX/XX/XXXX within the eligibility dates. I received a discounted bill from XXXX but not for the full 100 % with the amount remaining of {$1900.00}. I called the hospital and they said someone would look into it. This went on in a back and forth manner until I received a collections bill from Medical Revenue Service on XX/XX/XXXX. I disputed this by sending them a dispute letter and a copy of our financial approval letter on XX/XX/XXXX via USPS mail. I did not hear back from them so I assumed that took care of it. Then in XX/XX/XXXX I found it had been added to my credit report. I contacted Medical Revenue Services to explain that it was not a valid debt but they insisted it was and did not seem at all interested in the letter of approval for financial aid. I disputed this debt twice with the credit bureaus with no success. Finally, I have cleared this up with the hospital directly and have a letter that the amount in question has been adjusted to XXXX. This is the the second time in XXXX that Medical Revenue Service has done this to me. And by " this '' I mean putting something on my credit report without prior contact and/or properly verifying the debt to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a reimbursement check FROM THE STATE OF NJ, VIOLENT CRIMES COMPENSATION BOARD reimbursing me for relocation costs. This money is being held for 7 days according to Bank of America. The check stub has a DIRECT # that can be contacted to VERIFY THE CHECK. I need this money NOW!!! I cant buy food right now because of the ignorance of this bank. Ive been a customer for 28 years!!! That ends now! I was NOT made aware that this check would held FOR 7 DAYS BEFORE DEPOSITING IT!!!! I would have went to another bank where I have an account!!! BOA is simply collecting interest on MY MONEY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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'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 information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXXXX/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 2023-02-23
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Discover Card balance transfer balance was due XX/XX/XXXX. Paid in full, posted XX/XX/XXXX {$4400.00}. They applied payment to another balance transfer that was expiring in XX/XX/XXXX and the balance transfer that was due XX/XX/XXXX was changed to purchases at an interest rate 15.5 % and now 17.24 %. Their explanation is a policy that doesn't exist in the balance transfer agreement nor statement how they apply payments. Our position is per agreement and statement we paid the balance transfer prior to expiration. Their policy due to automatic payment of {$300.00} was applied to the 0 % balance transfer first, then the next highest was 4.9 % which they applied to balance transfer expiring XX/XX/XXXX. Thus the balance transfer we were paying is now XXXX %. They are taking advantage of policy not written in transfer agreement or on statement. Should be illegal since it takes advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I contacted Amazon.com regarding two packages that had arrived at my home which I had not ordered. After a brief look into the matter, Amazon determine that an outside party had created an account with my name, address, and credit card and I was now the victim of a " brushing scam ''. They cancelled additional transactions that were pending and advised me to contact my credit card company.

I immediately put a hold on my credit card and contacted Chase Bank Card Services due to fraudulent charges that were made on my credit card. I indicated to Chase what the current circumstances were. I went on to inform them that I had received a letter from XXXX prior to these fraudulent charges, informing me of a breach in their system and that there was a potential loss of my personal information. 

Chase put the charges from Amazon on hold and indicated that they would investigate my claims and send me a new credit card. 

A letter dated XX/XX/2020 arrived from Chase indicating that I was responsible for two of the fraudulent transactions that were made because " Merchandise was billed to or shipped to your address ''.

The two fraudulent transactions which Chase is claiming I am responsible for, were for {$18.00} and {$21.00} and the transaction date was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for XXXX XXXX at a second house we bought. I signed up over the phone and I was not told there was an early cancellation fee over the phone. I was unhappy with the service and called to cancel. I was then told there was a cancellation fee but I disputed this because I was not originally told about it. 
The amount owed was sent to XXXX  collections. I filed a dispute it was forgiven. 
Then without my knowing the debt was suddenly owed to IC Systems in the name of XXXX XXXX XXXX. It is the same account but now a new company is trying to claim I owe them the debt. 
I was never notified, they may have mailed things to that house but we sold that house in XX/XX/2019, also the house does not have a mailing address, the only address the company would have had was my home address. they never called or mailed me anything. I only found out about the debt when I tried to refinance my house. 
I paid it to make it go away. I was told I would receive a receipt, I have not. I called back and was told I would receive a receipt by the end of the day. But I still have not. 
I have paid the bill, even though I was not told about this cancellation fee originally and the debt has been given to a new company without me knowing and now I can not get it off my credit report or even proof that it is paid.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
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 have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX, XXXX  XXXX XXXX and 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 explanation
Consumer complaint received 2023-02-25
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sheffied Financial has been in communication with me concerning a debt that doesn't belong to me. It is a business account and I am not a cosigner on this debt. Yet, they continue to report this debt on my personal credit report. I have asked them to provide the contract bearing my signature showing that I am indeed a cosigner as evidence. I've asked them to cease and desist in regards to contacting me via my private residence and phone. They have failed to do so. This is a violation FCRA reporting standards among others.

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 2022-04-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent dispute letters to experian through The United States Postal Service XXXX mail. I expected to receive some type of communication from experience within 30 days. On XX/XX/2022 I checked the certified mail tracking number and found out and found out that the letters i sent to experience on XX/XX/2022 were delivered on XX/XX/XXXX XXXX 2022 at XXXX pm. So at this point it had been over 30 days since experience had received my dispute letters letters and I had not received any correspondence. Because I had not received any correspondence I proceeded to call experience on XX/XX/2022 to find out what was going on. When I spoke with an agent from experience I was told There was no disputes in the system for me. I explained to the agent that I had sent in dispute letters and they had been signed for and received on XX/XX/2022 at XXXX pm. The agent told me they had not received it and that I need to resend the letters and start the process from the beginning. That does not make any sense and does not follow the laws set in place to protect the consumer from aggregious things like this. I was told " they could not find anything from me but they have a signature on the certified letter from an employee of their company. I need help getting this issue right. When i asked to speak with a supervisor I was told they dont have time to talk to people about small things like this. Is this how business is supposed to be done by the major credit bureaus? I need your help now because this company is not following law and procedures that have been in place for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Signed up for a XXXX XXXX credit line. It is through Synchrony bank. Used it for a {$1000.00} transaction with no issues. This evening, I tried to use it through the XXXXXXXX XXXX app and received a text from " XXXX '' stating I needed to verify my identity, and if I press 1 a person would call me. I received a call and the person stated that in order to verify my information, I would need to verify a code in an email he would send me. I then received an email from XXXX, which I understand is legitimate. He said to validate my identity I would need to click a link in a text he was sending me. I then got a text from XXXX, with a link to XXXX XXXX XXXX XXXX XXXX XXXX 

On this page, I was guided through an invasive identity verification that included uploading a front and back picture of my driver 's license, as well as a 5 second video of my face. Again, horribly invasive. That's not my complaint, though. After it turned out that they didn't need that information, they wouldn't or couldn't provide me and kind of verification that the pictures of my I.D . would be purged from their system. I spoke to two separate " supervisors '' regarding this. The first one said he would submit the inquiry to his I.T. but then hung up when I asked for the ticket number, and the second, XXXX XXXX extension XXXX ) stated that they were unable to create tickets, and had no avenue by which to discover the information was purged. She was also unable to provide the ticket number identifying the particular call we were on, and simply said " We don't make tickets ''. To me, this is a gross and negligent mishandling of customer PII. XXXX tracking? Unnecessary requests for personal data? Offering XXXX assistance in validating this data was purged? The upload completed. They received the pictures. I'm cleared for FTC. I understand the weight put upon protecting XXXX. Please investigate this.

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