BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: MA
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:
How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: TN
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 just got another hard inquiry that I didn't recognize. Same company XXXX on XX/XX/XXXX. This is identity theft and someone is using my information again.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX 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 : 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 explanation
Consumer complaint received 2018-03-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As per the last complaint and reply. I am sending more information about the reason this item should be deleted permanently regardless of who owns this debt falsely put onto my credit report ( s ). The item was deleted before and put back onto my reports. Also it is in violation of the fair credit laws as it was sent to collections a full month before they claim they sent me a letter, which I never received, about this debt. I will attach documents to show both statements are true and the item needs to be deleted permanently from my credit reports regardless of ownership of debt.

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 2023-08-23
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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on my credit report

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 2023-08-23
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX never provided a SINGLE thingnot one nights stay, bonus etc for the money they took from us and they failed to do anything to rectify that-they continued to ask for payments to be made for absolutely nothing. When we tried to end the contract that they have used to extract money from us for nothing, they refused. We then filed complaints with Florida authorities and sought legal help. They have defrauded us of $ XXXX and they continue to want every XXXX they can possibly get under the timeshare contract. XXXX does not want to provide anything or honor any contract terms that they are supposed to and yet they want to use their contracts to extract as much as possible from their victims ( owners )

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 2019-06-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, In XX/XX/XXXXof this year, I applied for store Credit Card from XXXX XXXX. After several weeks I had not received a credit card or statement but I know a payment should be due. I went online to make a payment and did so. The payment shows that it was processed on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called to ask where my card was. I had not called sooner due to work ( I XXXX ). I found out when I called that late fees had been applied to my account. Considering that I have never received a statement, and still have not gotten a card, I do not see how it is that I am expected to know my due date let alone that I have been accruing late fees. I told them this and they took off one late fee, but I do not see why I should be expected to pay any at all when you can't even get me a card.

The next page asked for my card number. If I had ever gotten one I'd be happy to give it to you. 

My phone number is XXXX XXXX XXXX, my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Zip Co US Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a zip ( Quadpay ) account about a year and a half ago. Recently someone fraudulently got my information was able to get into my Zip account and fraudulently placed 3 orders and fraudulently used my card information stored in my account and paid off 3 existing payments on orders that I had that the payments weren't due yet. They also changed the phone number in my account and i was and still is unable to get into my own account. I called Zip numerous times and emailed them telling them what happened and to please close my account because for ( 1 ) a scammer has access to it and has made fraudulent orders without my permission and ( 2 ) because i no longer has access to it and even though i don't want to use it at this time, I can't. They never closed my account, never helped me gain access to my own account, and they never cancelled the unauthorized orders or purchases. They only told me about 2 weeks ago that a fraud specialist will get in touch with me within 2 to 3 days. Meanwhile, they are still trying to collect payments on the fraudulent orders that of course ( because a scammer placed them ) never got paid. The fraud specialist has only contacted me ONCE in a 2 week period and asked a very vague question that i was unclear of, and I have yet heard back from them or got clarification on that question. It is now about 3 weeks into when this incident first happened and still no resolution. I have filed a police report, done everything i was supposed to do to rectify this situation and Zip still hasn't done anything. 

XXXX, the escaltions rep, emailed me saying they refunded the money back to me. I emailed him right back letting him know that he refunded the money to the SCAMMER 'S CARD. Him or anyone else from this company has reached back out to me to resolve this error. I even called for a supervisor and the rep stated the supervisor would give me a call back, 3 days later, no call back. This is ridiculous the type of service and type of issues i am having with this company all because i was a VICTIM of identity theft. I NEED A SUPERVISOR LEAD, THE HIGHEST FORM OF CONTACT FOR THIS COMPANY TO GIVE ME A CALL AT XXXX. Not only did i not get the " REFUND '' but is has been given back to the SCAMMER along with the fraudulent orders that were placed! They had ample amount of time to cancel those orders when i first emailed and called them on the DAY it was initiated that I did not place those orders and someone else had access to my account. Like i stated before, if this issue is not resolved appropriately i will be taking legal action against ZIP. I have recordings, proof of email and calls, everything that I need documenting when, how, and what. Try me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, and Transunion is reporting old addresses that do not belong to me. I have contacted and they will not remove. I am a victim of fraud and there has been multiple things opened on my credit that does not belong to me under many different address. These accounts connected to addresses/names that are not mine need deleted immediately. They have FTC reports showing my filings.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: IL
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:
I file disputes that have not been resolved

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 2023-05-08
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
requested to have this information removed several times after it was paid and contacted the company which the number listed with them was not going through and the original company had no knowledge if being sent to collections - as I was current and paid. 
I have disputed this to be removed and all would get back is it has been verified and updated. by XXXX several times. 
{$230.00} XX/XX/XXXX open date - XXXX XX/XX/XXXX Last reported. - XXXX I requested to have information verified and to send all the information requested from the date the account opened to current in which I wanted to know how this account accumulated to this amount and I needed the Original Signed contract and still did not get any information and this information is on my credit reports did not match at all. 
I have Disputed these below several Times which again I get the Has been verified and updated with no proof. 
{$740.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - open date XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - open date XXXX XXXX last active XXXX {$2500.00} XXXX open date XXXX XXXX Last active XXXX {$1500.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - Last active XXXX I asked to have information verified and then the companies XXXX, XXXX XXXX XXXX would respond Verified and Updated but I have no documents as proof. 
{$2000.00} XX/XX/XXXX - Open date XXXX XX/XX/XXXX - Open Date XXXX XX/XX/XXXX - Open Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2023-01-24
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Capital one keeps updating a Walmart account which now is delinquent on my XXXX credit report please see attached. I didnt really know but the representative says its reporting I owed a balance when it was fraud on my account and it was investigated and found to be fraud on my Walmart/capital one card and I called several times and they kept saying they were gon na update it right. No late payments and no balance. No I get an alert and my scores goes down 40 points. What is the problem? Why cant you get right after about 6 months youd think this would be corrected by now.SEND ME A COPY OF THE FRAUD CLAIM AND THAT MY REPORTS WOULD BE UPDATED! XXXX  has stopped honoring FTC reports etc especially when it comes to inquiries on my credit reports saying they only send out letters and if the dont respond then the inquirys still stay on your report. My problem with them is they are responding to my complaints about me being a victim of identity theft why arent you doing anything about it? This practice you have adopted about the inquiries is wrong and its not fair or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Your records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}.

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 explanation
Consumer complaint received 2015-12-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from a company named Transworld Systems Inc, who I believed took over accounts from XXXX. I have paid and settled this account with XXXX Transworld is not researching my previous account to show payment was made and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit score has tanked since banking with this Bank. I started the administrator process to valid the alleged debt that I supposedly owe to this Bank. Theirs response had been flooded by generic letters without providing the original contract bearing my wet ink signature ( promissory note ). According to the Fair Debt Collection Practice Act ( FDCPA ), I have the right to validate any debt I owe. This Bank had since left tons of calls, voicemails and letters trying to correspond with me and ruined my credit score with late payments and delinquent accounts. This Bank have committed fraud for reporting unvalidated information to the 3 major credit bureaus. Im not hesitant to bring a suit against this Bank for violating Fair Debt Collection Practice Act ( FDCPA ), Tax fraud and defamation of Character! These banks must remember that WITHOUT the consumers, theres no business! Ask yourself : Whats a Debt? Legal tender was no longer required for payment of debt on XX/XX/1977! 
According Social Security Number, Im classified as a minor. A minor can not be a party to a contract ( HJR 192 )!

Banks can not loan money. They are in business to buying securities. The consumers signature CREATES the security! And since this Bank have submitted my account ( s ) to collections, they have committed a felony for unlawful use of my Social Security Number. This is grounds for identity theft and distortion. BY LAW, all 3 major credit bureaus must remove these accounts from my credit report. *BOOM* ( Ending Note ) The consumers are the original creditors but was misled by these greedy banks into thinking were the debtor!

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