BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MA
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:
I currently use XXXX XXXX for credit monitoring. 

On XX/XX/2023 I received a notification that my Experian credit report had been accessed by a XXXX dealership in California. I did not apply for credit and did not authorize access to my credit report. 

I contacted the XXXX dealership by email and by phone to inform them that the activity was fraudulent. They told me someone applied through their online system and that they are not responsible. 

I tried repeatedly, for days, to place a freeze on my credit report at Experian but can not get past their automated phone system/bots and their website system does not recognize my SSN to create an account to implement a freeze on my account. There is no way to contact them without using their chatbots. I reached out to company executives on XXXX but there has been no response. I have reached out to my Senator 's office ( XXXX XXXX ) for assistance. 

I received a credit protection kit from XXXX XXXX and filed a police report with my local police department.

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 2022-10-09
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 I received documentation from XXXX XXXX I, XXXX claiming that I owed them an alleged debt. First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. XXXX XXXX and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. XXXX XXXX not only failed to provide documentation of an agreement bearing my signature I have with them stating I owe them an alleged " debt '' but they also furnished a deceptive form ( 15 USC 1692j ) to trick me into believing I owe them anything! The abuse and harassment I have received from the criminals at XXXX XXXX will not be tolerated especially when their claims can not be verified.

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 2018-07-11
Company: Frost-Arnett Company
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2018 sent out an itemized bill with services listed, violated HIPAA laws Debt for {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-10
Company: Paypal Holdings, Inc
State: NY
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:
To whom it may concern, I submitted a payments for a treadmill and XXXX  vacuum for what I thought I was purchasing through a friend on XXXX. I was not aware at the time but have since confirmed with her that her XXXX  account was hacked and taken over by a criminal/fraudulent person. The way I paid was through PAYPAL and I have been trying to cancel and reach out to PayPal for the last 24 hours since I have evidence of the fraud, the fake address and PayPal account with email. But I am not getting any feedback? Because the transaction is pending, I am not sure why I would not be able to have this transaction cancelled since it is by a fraud and criminal act. 


The PayPal transaction is as follows : Paid You'll see " PAYPAL '' on your card statement. 
{$360.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Treadmill and XXXX vacuum Details Sent to XXXX XXXX {$350.00} Fee {$15.00} Total {$360.00} I have also reached out to my credit card company, XXXX XXXX, but they indicated that PayPal would need to work with me to resolve since transaction is still pending. I have not been able to get a hold of anyone at either PayPal or XXXX  to report the fraudulent act. 

I do have a trail of the fraudulent communications and the friend that was hacked has provided detail in writing to me that she was in fact hacked and this was a criminal act upon myself and other of her friends/family. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had no knowledge of this account. I have talked to the original bank, several times. Filed a dispute several times. To be told it was finally resolved. Kept checking and then was told it was not. I cant send them any information, because I have no knowledge of what it is!

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 2023-09-18
Company: EQUIFAX, INC.
State: AR
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 am writing to express my profound frustration and concern about the repeated efforts I have made to remove fraudulent items from my credit report. Despite my persistent attempts, these inaccuracies persist and continue to harm my financial standing. I am writing this letter to bring this issue to your attention and request an immediate resolution.

I understand the critical importance of accurate credit reporting and how it affects my ability to access financial services and opportunities. The presence of these fraudulent items on my credit report has caused significant financial harm, including higher interest rates and difficulties in obtaining credit.

I respectfully request that your bureau takes immediate and comprehensive action to investigate and remove the fraudulent items listed above from my credit report. Furthermore, I insist on receiving a written explanation detailing the steps taken to rectify these inaccuracies, along with a timeline for their removal. Clarity in this process is essential for me to understand when the issue will be resolved.

If these fraudulent items persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Kindly assist me to removed these following fraudulent items : XXXXXX/XX/2023 XXXX XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
in XX/XX/XXXX i was informed that his account number ending in XXXX, is being shown not paid in full, even though my {$760.00} payment was sent directly Synchrony via XXXX Overnight Mailed on XX/XX/XXXX. 
i was told by Synchrony Upon further review of my claim, that the claim and complaint were unfounded, and they say my payment was never received. 
I sent copy of the original check # XXXX ( from the bank showing paid out ), indicating that not only was the check received approximately a month after the fact on XX/XX/XXXX, but the amount was deposited into the WRONG account ( client name was handwritten on the check by them when they cashed it ) as indicated on the copy of the check, bank reported the check cleared on XX/XX/XXXX I requested that the funds be remitted to the correct account ending in XXXX ( my account ). Name of account that was credited was XXXX XXXX is not me therefore it is up to Synchrony to fix the issue to fix this issue. 
Last communication was XXXX XX/XX/XXXX through my lawyer demanding a response from Synchrony within 7 days or we would have no choice but to proceed further pending litigation and we have not heard back.

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 2018-10-11
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX an account was opened with XXXX XXXX in my name. The Account was opened in Michigan. XXXX ran my credit. On XX/XX/XXXX the account was closed for non payment. XXXX filed a collections report on my credit bureau in the amount of {$630.00}. The collections filing dropped my credit score 65 points. 

I was notified by my mortgage lender that there was a serious delinquency that impacted my mortgage approval. My mortgage lender provided me with the name of the collection agency, IC Systems in XXXX, MN. 

I contacted IC Systems, and proceeded to go through the information in their file. Even though none of the information in their file was correct, nor despite the fact they couldn't prove the debt was valid, they refused to remove their erroneous credit bureau filing. 

I contacted XXXX. They would only have me submit a claim of Identity theft. They refused to contact the collections agency to tell them to remove the information. Funny thing is I live in XXXX XXXX, and have for the last 10 years. During the whole time I've lived in LA I've been a customer of XXXX. How do they open a new account for a new customer on the other side of the country using my information when I'm a current customer? Do their systems not detect this? 

Anyway, XXXX XXXX refuses to remove the information unless IC Systems removes it.IC System won't remove it without XXXX  paying them. 

This is wrong. I'm losing my mortgage and my deposit on the house of {$30000.00} because of this nonsense? This is just not right.

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 2022-12-18
Company: Experian Information Solutions Inc.
State: ND
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: HI
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/2020, FAIR COLLECTIONS AND OUT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA FAIR COLLECTIONS AND OUT has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 bureaus must 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX XXXX so known as XXXX  XXXX  XXXX Account number XXXX Account type Collection Responsibility O Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment Oriminal halance A

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 2020-12-27
Company: Experian Information Solutions Inc.
State: OH
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 submitted a complaint previously and experian did not investigate properly. XXXX is lying and experian does nothing to investigate this. The whole reason they cancelled this is due to their employee making an error so I received a debt cancellation letter from XXXX XXXX XXXX and I was advised they would remove the account from my credit report it was not completed. I previously supplied the debt cancellation notice but it was for the other borrower of the loan and experian didnt feel that was sufficient and they didnt ask me for one they supposedly went to XXXX  and they didnt supply it, when if you receive a 1099c notice for one then that technically goes for the whole loan but I am resubmitting this with the cancellation letter that was sent directly to me. XXXX XXXX should be removed from my credit report they even changed the balance to XXXX but the account should be removed. I will provide documentation where they advised the IRS of the debt cancellation for both holders.

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 2023-09-18
Company: EQUIFAX, INC.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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