BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, I've been a victim of identity theft. My personal was stolen. I noticed XXXX XXXX that I have incorrect/ fraud hard inquiries on my credit report. The company reporting this is XXXX. The incorrect hard inquiries listed are Name : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX OH, XXXX, Name : XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX FL XXXX, Name : XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX TX, 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 2021-03-11
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Collection/USA showing on credit report # XXXX I recently found out regarding this collection is still on my credit report. I disputed this account several months ago when I first saw it on my credit monitoring because I thought it was fraud, ID theft or another error on their part. I always pay my bills on time and I have good insurance so I assumed by disputing it that it was corrected but it is still reporting with all 3 credit bureaus. If I had received a bill I would have surely paid it easily which is why I thought it was fraud, ID theft or another error on their part-I NEVER received a bill. I always pay my bills on time which is reflective of my credit but I just applied for a mortgage and just found out that this debt is still showing on my credit. My lender notified me that this is impacting my ability to obtain a mortgage. Again If I would have received a bill or notice I would have gladly paid the {$83.00}

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 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 paid my khols credit card in XXXX in full. There must have been an issue with their system. There was XXXX dollars and change that caused my credit card to charge off and khols closed my credit card. I did not find out until my XXXX XXXX tanked and my bank and other credit monitor sent me emails. I immediately called khols. They can not tell me why the system did not pay the card in full with interest. I spoke to XXXX in " office of the president '' who was so rude. She said they will not open my card back up and " you tell me ' why the system didn't pay off your card. She said they sent me a cure letter but the cure letter says I owe XXXX $ . I asked them to fix my credit they said they would but would not open the card back up. If it's not my fault why are they not opening the card back up. That hurts my credit too showing a closed charged off card. Khols collections efforts need to be looked at as well as their customer service. I had to reach out to social media as everyone kept saying this is your fault. I have spoken to 3 reps including XXXX. I hope khols listens to her call and retrains her. Office of the president should hire the best collections reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: CT
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Open. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$660.00} Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$770.00} XXXX XXXX account. {$15.00} 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 an account without my written instructions the following accounts are all fraud and need to be deleted from my credit file 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 2023-02-01
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This concerns Venmo. I tried to open a Venmo account with my phone number. I have had this number for XXXX years. The phone number appears to already be registered with another Venmo account, likely the person that used the phone number before I acquired it. Venmo appears* to have reacted to this situation by triggering a block on my phone number that has trickled through the financial services system and is preventing me from using my phone number with other money transfer services, such as XXXX XXXX 

If Venmo had concerns about the phone number they should have ( 1 ) blocked the Venmo account that has that number registered, ( 2 ) tried to re-validate that number with the user of the account, and ( 3 ) delete that phone number from their records if the user was unable to re-validate it.

Venmo clearly has no procedure for periodically re-validating user 's phone numbers. They should be required to implement this. Venmo should not be allowed to trigger an industry wide block on the phone number of a non-Venmo customer on such paltry grounds. That response is causing me a great deal of inconvenience and was disproportionate. 

* As mentioned by a XXXX employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting 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:
Educators credit union XX/XX/XXXX XXXX XXXX did not authorize this inquiry XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX. XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX XXXX, XX/XX/XXXX. XX/XX/XXXX XXXX XXXX. I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX I did not authorize these inquiries. 
XXXX XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. 
XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX did not authorize this inquiry. 

XXXX XXXX XXXX, XX/XX/XXXX, XXXX did not authorize this inquiry.

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 2022-03-01
Company: Premium Credit Bureau
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Premium Credit Bureau, is showing a hard inquiry ( XX/XX/2021 ) in all my credit reports ( XXXX, XXXX XXXX XXXX ), I don't recognize it. 
I have been sending letters to Premium Credit Bureau as well to the 3 Credit report offices, neither of them is showing evidence of myself approving Premium Credit Bureau to inquiry my credit report, I don't recognize this inquiry and didn't receive any answers from Creditor neither from the Credit report agencies. 

On XX/XX/2021, I went to get my new car in a XXXX XXXX, as this was a lease I authorized XXXX XXXX to run my credit but XXXX XXXX XXXX XXXX run my credit as well, I sent letters and email to dealership without any answer neither an explanation, also I requested the 3 Credit Bureau to remove the inquiry without any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Claim XXXX was closed but collection agency continues to provide false information regarding the debt. They continue to list debt as being only four months old, instead of the actual date of service by original owner, XXXX XXXX XXXX XXXX XXXX XXXX which is XX/XX/2018. 

Listing it as a new debt is harmful to my credit and should be revised immediately. The company pleads ignorance in how the date is listed, which is falsifying information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account has been re-aged and shows 2 different years in the date of last activity! Remove for violation of 5 US Code 1681a ( 4 ) by reporting mis-information. Please see the credit report attached. If this is not removed within 15 days I will be taking this to small claims court. Attached is the credit report and the letter sent to the creditor which is dated and time stamped.

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 2022-03-01
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
RoboCall from XXXX " XXXX '' at Discover offering low Interest Rate Transfer I am on the " Do Not Call '' List and have repeatedly asked for my number to be removed from their calling list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint number XXXX has not been satisfied. 
Mr. Cooper addressed the CITY TAXES, not the XXXX XXXX Taxes. They have not corre4cted the overpayment from this complaint. I received notice from you that they responded. The response did not correct the error. I DO NOT consider the complaint to be closed, when they have not corrected the problem and my escrow account is over {$3000.00} in a negative balance because of their negligence. What is the point of asking for your assistance as an oversight agency if you do not address the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: I.C. System, 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:
As of XX/XX/XXXX, a collections company called I.C. System, Inc has " flagged my account as Collections ''. This alert claims I have an unpaid balance to a " XXXX XXXX XXXX ''. 

There is a remark listed as " Affected by natural disaster. '' This utility company claims I have an unpaid balance in the amount of {$690.00} that has been due since XXXX of XXXX. I have absolutely no idea what this is about, whether or not it's a legit company with a legit charge for somebody else, or its an illegitimate company with a fraudulent charge. Either way, I have no idea how this ended up on my XXXX and XXXX  credit reports and it needs to get removed and this company cited.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XXXX  but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

: XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXXL XXXX Balance : {$10000.00}

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 2022-04-18
Company: Partners Financial Services Inc
State: GA
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 plus *original creditor* walk away lease no balance XX/XX/2016 Balance : XXXX XXXX creditor : partners financial Balance : XXXX Wrong balance debt already sold and collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: AMERICAN EXPRESS COMPANY
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 is missing that should be on the report

Complaint:
Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. 
I do have a police report with identity theft on those credit card, as proof. 

I need you help on this matter please. 


AMERICAN EXPRESS Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX AMERICAN EXPRESS Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 



XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified that my account was paid off and as a result closed the account. The company also said they received two payments and sent me one as a credit. They then found out they were in the wrong, threatened me multiple times, and then said the account would stay closed but I had to pay off the {$900.00}. I found out today synchrony bank/care credit reopened my account and are charging a late fee. XXXX was notified and sent the charge through and then reversed the charge after I was told that it was handled correctly, and closed the account. I received bank statements today after being locked out of my account for months and reporting my username and password as stolen.

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