BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been filing disputes with the Consumer Credit Agencies, and to no avail, I am still plagued with the same problem. Experian has been grossly negligent in validating the debts from several companies listed on my Consumer Credit Report. The information shows to be inaccurate and incomplete. I will attempt to keep each situation separate by filing separate complaints. I have not witnessed the section on my Consumer Credit Report that is listed as, " investigative consumer report '' whereas information on my character, general reputation, mode of living or personal characteristics are obtained through interviews with neighbors, friends, family and those who have first-hand knowledge on any of the negative accounts listed on my Consumer Credit Report ( 15 USC 1681a ( e ) ). I will start with the first complaint, listed on my Consumer Credit Report under XXXX XXXX XXXX XXXX XXXX This account is shown to be account number XXXX, a closed account with no open date listed, it is showing the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX. NO PHONE NUMBER LISTED FOR ME TO CALL. The credit report account says, " 1 'potentially " negative month '' and a red 'C ' for XX/XX/2019. The original creditor isn't listed, and the amount listed is for XXXX. The credit report also reflects that this account was, " paid, was a collection account, insurance claim or government claim or was terminated for default ''. This listing sound to be unsure, as I am not sure who this company is listed. Please validate the alleged debt, as I believe them to be debt parking on my Consumer Credit Report under the guise of the US Department of Education, but a debt collector. I am unaware of this company listed, please have this company to verify their name, not who they were attempting to collect on an alleged debt for. Please advise this company that I am requesting a validation and proof of claim for them on this alleged 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 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-07
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following companies are not following the FCRA laws and rules regarding reporting late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX American ExpressXXXX XXXX XXXX Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: GA
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 identity is compromised and I have been trying to have the listed accounts deleted and blocked from my credit report for months. I have attached the proof showing transactions that were not mine. These accounts are preventing from moving forward and need to have them deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: SC
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 have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... 
XXXX XXXX XXXXXXXX credit card inquiry on XXXX JP Morgan Chase Bank credit card inquiry on XXXXXXXX XXXX XXXX  credit card inquiry on XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: LCS FINANCIAL SERVICES CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is about an old forgiven and settled mortgages originated in XX/XX/XXXX by XXXX XXXX  XXXX XXXX XXXX In XXXX Owned originated a 1st loan at 80 % and a 2nd loan at 10 %, we put 10 % on this purchase loan. 

XXXX was the first lender seeking federal protection at the very beginning of the market crash. All its assets were purchased by XXXX who in turn later, after going bankrupt, sold them to XXXX  XXXX XXXX. All three companies got bailed out by the government and got billions of dollars in tax breaks. 

In XXXX XXXX  XXXX XXXX, the owner of both loans, in accordance to the " National Settlement Act of the Obama administration '' worked out a Loan Modification on the 1st loan and eliminated/got credit by Federal program the 2nd lien in XXXX with us. 

We were told then by XXXX  XXXX XXXX representative that the 2nd lien was " taken cared of ''. 

Everything was fine until around XXXX when a company by the name of Reliance reached out " claiming ownership of the 2nd lien ''. After presenting evidence of above arrangements with original owner of both liens, XXXX  XXXX XXXX, Reliance proposed a {$3000.00} " settlement '' because a lawsuit may be " costly ''. After their " threatening '' position, we send them the documents requested by them but never heard back from them. 

Now, seven years later, a new company by the name of LCS Financial Services Corp, reached out my Bankruptcy attorney claiming ownership of same 2nd lien. I responded with above facts and evidence and requested a QUALIFIED WRITTEN REQUEST on XX/XX/XXXX. I called them today XX/XX/XXXX and left a message. 

My concern is that these collection companies technique is to delay the process because sooner or later they will collect with their bogus techniques, just like Reliance they have not even acknowledged my correspondence. 

The person I email this request at LCS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office : XXXX Direct : XXXX Fax : XXXX Email : XXXX Email : XXXX I would like your assistance to make sure they stop their collection efforts unless they bring the evidence of their claims in a timely manner according to Federal guidelines. 

Please call me at ( XXXX ) XXXX for further information. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 I received funds from my friend, later that day PayPal Inc, confiscated my money for 180 days, I waited the days to be over, after which I tried to reach them but no response. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several accounts in which I paid for less than the full amount in which I was sent form XXXX. XXXX, XXXX XXXX, XXXX, XXXX, and these accounts should n't be on my credit report I 've tried on three occasion to dispute these charges but trans union and XXXX wo n't budge only saying that they are verified in which they are not

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 2023-10-18
Company: EQUIFAX, INC.
State: DC
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 sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance XXXX {$8300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: OneMain Finance Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am writing to inform you that XXXX XXXX XXXX XXXX XXXX, a debt collector, has violated the Fair Credit Reporting Act ( FCRA ) in their efforts to collect a debt from me. 

According to previous court orders, the amount of debt owed is {$2800.00} to ONEMAIN, and I am required to pay this amount directly to XXXX XXXX XXXX XXXX XXXX. However, in their latest correspondence, XXXX XXXX XXXX XXXX XXXX advised me to use a third party to schedule payment for the debt. This violates the court orders and is a violation of section 611 of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, XXXX XXXX XXXX XXXX XXXX has stated that the amount owed is {$2800.00} in their latest correspondence, a discrepancy of {$27.00}. This violation of the accuracy requirement under section 623 of the FCRA is compounded by the fact that XXXX XXXX XXXX XXXX XXXX has failed to provide me with the necessary file number and other important information, as agreed upon in the closing letter dated XX/XX/2022 with XXXX XXXX XXXX XXXX. This lack of transparency and disregard for court orders is a further violation of section 611 of the FCRA. 

In addition, XXXX XXXX XXXX XXXX XXXX has contacted me directly instead of my attorney, who has been designated as my representative in this matter. This violates section 805 ( b ) of the FCRA, which prohibits debt collectors from communicating with a consumer in connection with the collection of any debt if the debt collector knows that the consumer is represented by an attorney with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second time disputing the late payments for account XXXX XXXX XXXX # XXXX from XXXX 2021. I had some issues with my income being affected by theCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: TN
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:
Hello! Please give attention to my follow up. I need these inquiries harming my credit reports REMOVED from my credit file. I am hoping and truly expecting that the Experian, XXXX and XXXX credit bureaus will remove all these inquiries I listed once more in these complaints : EXPERIAN : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-04-01
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-03-31
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband received a letter dated XXXX XXXX from a Collection agency ( afni ) stating that he owed {$640.00} to XXXX XXXX XXXX. In the letter they ( afni ) indicated that they were willing to accept {$420.00} to resolve the account. 
In the second paragraph they ( afni ) indicated that unless we notified their office within 30 days of the notice they would assume the debt is valid. And if we did not dispute the validity of the debt in writing within 30 days they would obtain a judgement and mail us a copy of the judgement. 
We are very suspicious of companies trying to scam people and try to get their personal information. 
The issue is -- - my husband has never had an individual account with XXXX XXXX XXXX. 
On XX/XX/XXXX we contacted the billing department with XXXX XXXX XXXX and I spoke with an XXXX. XXXX researched our current account with XXXX XXXX XXXX and could not see any evidence of a past due amount. He transferred me to the XXXX XXXX at XXXX XXXX XXXX. I spoke with a XXXX. He pulled up the XXXX XXXX XXXX acct. number and asked me what the passcode was for the account. we told him we didn't know a passcode as we did not have that account. He could not give us any information about that account like DOB or any other information for the person other than my husbands first and last name. he kept asking for the passcode and we kept telling him we did not know the passcode for that account. Today XXXX, we went to an XXXX XXXX XXXX XXXX - they were able to look up that account for us and told us it was cancelled on XX/XX/XXXX. He helped us get a passcode and the security question and the email address, which was for a email that we did NOT know. The XXXX of the XXXX XXXX XXXX XXXX told us that the account was an XXXX XXXX account ''. We don't even know what that means. He told us he didn't have the authority to correct the situation but to call the fraud unit at XXXX XXXX XXXX and tell them all the information and they could stop the collection agency. When we got home my husband called XXXX XXXX XXXX asked for the Fraud unit and it just directed him to the XXXX XXXX XXXX website. Needless to say we are being given the run around by XXXX XXXX XXXX and can not get this stopped we don't want to call the AFNI collection agency as we do not want to give them any of our personal information as we believe this is a phishing scam. But we also do not want our credit ruined by this falsehood. Any help you can give us would be greatly appreciated. Thank You.

Company response to consumer: Closed with explanation