BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
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 am refilling this complaint to EXPERIAN with report number XXXX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - DELETE THE LATE PAYMENT ONLY XXXX XXXX -- -- DELETE THIS ACCOUNT! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.

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 2022-01-07
Company: Paypal Holdings, Inc
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At XXXX am on XX/XX/2022, I received a phone call from a man calling from XXXX XXXX ( XXXX ) stating that I owe {$1.00},??? for an outstanding debt for my PayPal credit card that hasn't been paid in quite some time. I notified him that I do not have a credit card, loan, or outstanding debt with PayPal. He then asked me if I could verify my address associated with my PayPal account. I told him that I am not familiar with his company or the debt that he is attempting to collect, so I will not be providing him with any of my personal information. He asked me if I was refusing to verify any information and to resolve this situation and I told him that is correct. After getting off the phone with him, I called PayPal to notify them of the call I received and to verify that there is no outstanding debt on my account. PayPal stated that my account is in good standing and that I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I noticed Midwest recovery systems on my credit report. I have been disputing the above reference debt for a while. I as the creditor for a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges the date and basis for each charge. 
I disputed this charge because I did not recognize this debt and I do not owe any money to this creditor. I monitor my report and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid or in small amounts until settle. 
XX/XX/XXXX I have not yet received a letter or original account statement issued by the credit nor a breakdown of the total amount due. I have provided my personal information as they requested ( address, social, date of birth ). The only response I received was an updated and duplicate charge of the same amount of {$960.00} on my credit report. To my knowledge this was a flag that this creditor has reported inaccurate information to my credit report and fail to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 
XX/XX/XXXX I call again to check for updates. I never recieved the statement. The creditor offered me they can settle for {$500.00}. I explained to the creditor briefly what happen. My response below ; I seen this debt o my credit report at first I did not recognized it I disputed it. Then I decided to look at old text messages and realize I did go to the hospital and apologize. But the amount owed of {$960.00} is not accurate. I went to the hospital because I thought an XXXX was XXXX in my XXXX. My temperature was check XXXX XXXX and the doctor enter room to check in my XXXX to see it the soft was in there. Nothing XXXX XXXX XXXX I was touching my XXXX ( I felt XXXX ) I was discharge and sent home. Months late I see {$960.00} for a doctor just XXXX XXXX XXXX XXXX to check!. I ask the creditor can they help reveal the correct owed so I can resolve it. They denied. I ask for the original creditor information they denied. 

The amount this creditor is asking {$960.00} is not correct. And they double reported after speaking with them and they said the computer made a mistake. The duplicate debt of XXXX was recently removed but the amount owed is not correct. Damage my score, stress me and at one point I was on a 3hr hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Received first phone call from XXXX ( saved in my contacts as my Bank number ) at XXXX, informing there was fraudulent activity of someone trying to open an account in XXXX XXXX and performing XXXX XXXX. They gave me a cancellation code and said another rep from the XXXX department will call to get information in order to help track the fraudulent activity. Received another phone call from same number at XXXX. " Agent '' introduced himself as XXXX XXXX ID # XXXX, explained there were 2 transactions that were placed in my name. He instructed me to send money to " XXXX '' and " XXXX '', the first for XXXX and the second for XXXX. This had to be done this way to track the fraudulent activity. He was very aggressive and made me very nervous- at one point I asked him to hold and I called my bank on husband 's phone and when I hung up to get a phone call back he said that he could see in his system that I had called and that sinceI requested to speak to another agent, he would have to hang up and my account would be unsecured.

Told me to not access the account for 24 hours. Called me the next days but when I confronted him he hung up.

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 monetary relief
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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: Their investigation did not fix an error on your report

Complaint:
Ive reached out to all credit reporting agencies over the course of the past 2 years to be exact in regards to my rights being violated, inaccurate findings, fraudulent findings, and unfortunately they did the bare minimum if that to ever resolve or correct the issues at hand. Ive reached out to them via phone calls, letters, disputes online. Unfortunately XXXX, XXXX as well as experian. All are still in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) which states that transactions between the consumer and the person/corporation making the report shall be excluded/ not included. But yet all 3 credit reporting agencies fail to comply with this law. Might I add pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) the reporting of excluded information on a consumer report is a clear violation of Metro 2 compliance. I need the metro 2 compliance disclosures on reporting transactions to a consumer reporting agency. All derogatory and defamation of character transactions that are reporting as collections, inquiries, charge off, or late need to be removed EFFECTIVE IMMEDIATELY! My time is valuable please dont waste it. Please dont send me any stall tactics, or any other verified or validated responses. I didnt ask for you to validate or verify anything. So again, please dont waste my time. Time is money and between the back and forth that Ive gone through with these agencies a lot of time and money have been wasted. Not to mention the damages that these violations have caused. The negative accounts that have Been placed in collections or listed as charged off were done without me receiving a copy of the IRS form 1099-C cancellation of debt. XXXX, experian, XXXX  and the creditors reporting late payments, Charge offs, or any defamation and derogatory information on my consumer reports are in violation of 26 usc ss 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted within 30 days, I will unfortunately have to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX 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 2023-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was a victim of a culinary school named XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj. These people use we the urban people our information to scam the government. I was on XXXX XXXX news when I made my complaint back between XXXX. This is totally unacceptable and unconstitutional.I am totally hurt and disgusted that I was used as a pawn in the corruption and scandal of these scammers. Now its is effecting my credibility with the government also my high honors achievements as a student bares no value in the culinary profession. This will be corrected and my account with the student loan needs to be suspended permanently due to fraudulent activity. President Biden has the program for student loan forgiveness and I need to be apart of the program as well. And when you do find these scammers prosecute them all to the fullest extent of the law. What they have done was a Major federal crime and violated the constitutional rights of the citizens of the United States.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion has been reporting bankruptcy on my credit report for years which I sent in documentation multiple times to prove it wasn't me it was my father who has the same name

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 2023-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-10
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
CARECREDIT/Synchrony ... XXXX, XXXX, XXXX, XXXX, and XXXX, each year I would schedule all payments for the following/current year in XXXX, XXXX or XXXX. Emails and screenshots are attached. My payment due was maybe {$25.00}, but I scheduled {$50.00} payments on the XXXX of each month for the entire year, XXXX - XXXX. XXXX of XXXX, I did the same and scheduled {$50.00} payments on the XXXX of each month for XXXX - XXXX, which is all the system allowed indicating there wouldn't be a payment due after XXXX and this would pay this off in full. XX/XX/XXXX, they contacted me and advised that I missed a payment. My response was how could I miss a payment, when I had paid all your system would allow me to pay, which would bring my balance to XXXX. I have been paying {$50.00} a month, twice the minimum payment for over 5 years. That was a glitch in their system and they weren't going to charge me a late fee. I immediately paid them {$50.00} on XX/XX/XXXX. They contacted me again and I paid them another {$50.00} on XX/XX/XXXX. So, I paid them {$100.00} for a balance that was to be XXXX per their system. Their system allowed me to schedule all of the payments and stopped at XXXX of XXXX. Then they say I missed a payment that their system didn't allow me to pay, which would have been my last payment that their system didn't allow me to pay and then apparently they added late fees or something and I scheduled XXXX additional payments for a glitch in their system that they weren't going to charge me for. I saw this on my report and contacted them to resolve the issue that was clearly their fault. Their agent filed something for review with them in XX/XX/XXXX. All they did was add this back to my credit report as if it was new charges and labeled as a charge off effective XX/XX/XXXX. Synchrony has some unsavory business practices.

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 2018-03-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Highest Balance {$4100.00} Opened XX/XX/2017 ( 6 mos ) Account status Open Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX It has now been put to Phoenix Finacial Serv. 

I had went to the emergency room for a XXXX  on my XXXX, I had insurance, and had my card I put down my information thinking this was a urgent care, I had understood this was an urgent care after everything was said and done I was told my insurance would cover it and went on my way, now I'm looking at a XXXX $ bill I have no idea how I got no information was sent to me it just got out into collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/XXXX I called experian to cause my Experian credit report was updated and said verified I asked them how did they verify and send me proof They refuse to send proof & can't explain what method of verification they use to verify, my consumer rights are being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation