BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested and did not provide proper validation. This is a medical collection that is being reported illegally. No PHI release form has been provided. this is violating my privacy and HIPPA Law. My latest request was completely ignored. The tracking number is XXXX and XXXX XXXX received it on XX/XX/2023. 

Experian tracking # is XXXX sent on XX/XX/2023 XXXX tracking # is XXXX sent on XX/XX/2023 XXXX tracking # is XXXX sent on XX/XX/2023 It seems to me like this is a violation under section 812 ( a ) of the FDCPA. It says " It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than a creditor of such consumer allegedly owes such creditor, when in fact such person is not so participating. ''

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 2018-11-20
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2018, I received a final bill from XXXX XXXX XXXX in the amount of {$34.00}. On Monday, XX/XX/2018 I paid the balance in full via XXXX XXXX XXXX website ( Confirmation # XXXX ). On XX/XX/2018, I received a letter form Penn Credit Corporation ( XXXX XXXX XXXX, XXXX, PA XXXX ). I called Penn Credit on XX/XX/2018 to advise them that this had been paid within 2 days of receiving the final bill from XXXX XXXX XXXX as well as the total paid and confirmation number. The girl who answered the phone was extremely rude, raising her voice, and advised me that there was no report of the payment, that I needed to pay them directly. I advised her that I received the letter from Penn after I got the statement from XXXX XXXX XXXX and I already paid them. I advised her that I wanted a statement from Penn once they received my payment from XXXX XXXX XXXX stating that my account had been paid and was now closed. She advised me repeatedly that unless I pay them, they can't send me such letter. I told her again that I paid XXXX XXXX XXXX, I was not going to pay them, and that I wanted something stating this was closed once they got confirmation of my payment. She told me again that they don't do that nor did they need to do that. I told her that I have worked in XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 14 years, and yes, I can get a copy of that. She began raising her voice even more stating that they don't do that. I advised her that I was just going to file a report. 
The fact that this bill was paid BEFORE I got a notice from Penn, I shouldn't have to, nor will I, pay Penn on top of paying XXXX XXXX XXXX which was less than 30 days since my water was shut off- and paid 2 days after receiving notice from them. I want confirmation from Penn that this account was paid ( once they receive the payment ) and the account is closed. I do not want this on my credit report, as it again has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Due to XXXX XXXX XXXX cancelled or revoke my credit card, Now since my card is cancelled I never I stated or said I could n't be able to meet my financial obligations with this credit card as their letter shows from XXXX XXXX, 2016. Discover has engaged in a collection campaign with early phone calls ( XXXX ) and e-mails. 
I would like to ask the CFPB to further investigate my inquire and to make stop any of these activities since it was not my fault, I believe Discover doing this has broken XXXX or more Federal consumer Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Sir/Madam, I am writing to dispute the unauthorized reporting of several accounts and inquiries on my consumer credit report maintained by your agency. I have never provided written consent for the following accounts and inquiries to be included in my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I dispute the unauthorized inquiry made by XXXX XXXX XXXXXXXX on XX/XX/, which was conducted without my consent and without any permissible purpose as defined by the FCRA. 

I want to emphasize that my dispute is not with the creditors associated with these accounts, but with your consumer reporting agency for including this information without my consent. Furthermore, I have reported this incident to the Federal Trade Commission ( FTC ) as a form of identity theft my reference number is XXXX, as I did not authorize the inclusion of these accounts and inquiries on my credit report. 

In accordance with 15 U.S.C. 1681c2, which allows for the blocking of information resulting from identity theft, I request the immediate removal of the aforementioned accounts and inquiry from my credit report. I expect your agency to conduct a thorough investigation into this matter and provide me with a written response within the statutory time frame, confirming the removal of these items from my credit report. 

Please be advised that failure to comply with the FCRA and the requested actions within the stipulated time frame will leave me no choice but to take legal action to protect my rights under the law. I trust that your agency will address this dispute promptly and responsibly. 

Thank you for your immediate attention to this matter. I look forward to receiving your written response within the legally mandated time frame of 30 days.

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 2017-11-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank has a process for removing the PMI ( Private Mortgage Insurance ) from their customer 's mortgage that entails them sending a form by mail for the customer to sign and return along with a payment of {$500.00} to the bank to have the house appraised by a company of their choosing. My complaint with this system and the experience that I have had with them regarding this request are twofold : 1. The going rate for a single family home appraisal in my area by local appraisers is {$370.00}, {$120.00} less than the rate that PNC charges.
2. I requested the form to terminate my PMI from PNC bank on XX/XX/XXXX. As of today, XX/XX/XXXX, I have still not received the form. I called PNC 's customer service and they informed me that the form was sent out to me by mail on XX/XX/XXXX. I called them on XX/XX/XXXX, worried that it had not arrived yet and asked if they could electronically send or fax the form to me and they said that they could not. Tomorrow I go on vacation for 2 weeks, so I will be paying an extra month of PMI, simply because the bank could not accommodate me in a professional, timely and reasonable manner. 

I feel that this is disrespectful to the customer and that the delay of sending such a form only benefits the bank, since removal of PMI affects the amount of fees that they receive on a monthly basis. How should it take two weeks to receive a form in the mail? Furthermore, we live in the 21st century, where everything is digital. Why should n't a customer be able to download and print such a form from PNC 's website?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: Experian Information Solutions Inc.
State: VA
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:
If you feel there is a possibility these addresses belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the addresses is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}

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 2023-04-02
Company: EQUIFAX, 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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  ( Finance ), XXXX XXXX XXXX  ( Bank ), XXXX  XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX XXXX ( Finance ), XXXX  XXXX ( Bank ), XXXX XXXX  XXXX ( Auto ), XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) , XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and XXXX 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX Account XXXX XXXX Bank of America ( secured credit card ) Account XXXX XXXXXXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXXXXXX XXXX XXXX ( secured loan ) Account XXXX XXXX Acct XXXX XXXX, Acct XXXX XXXXXXXX.

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 2019-08-21
Company: Southwest Credit Systems, L.P.
State: TX
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:
I've received 6 calls this week from SouthWest Credit Systems.  Three times XX/XX/2019, I answered on XX/XX/XXXX and told them to stop calling - which I had done the prior month as well but no longer have the dates on my phone. They continued calling XX/XX/XXXX at XX/XX/XXXX. They have been calling me for months about a debt that is several years old. I have told them numerous times to stop calling me yet they persisted. The final straw was yesterday day at XXXX CST - an associate named XXXX was on the line. He immediately wanted me to give him my personal information without answering what the call was about, despite me saying I'm the person who they were asking for. XXXX  quickly grew enraged that I wouldn't give him my personal information. I told him to cease and desist the calls. Instead of ending the call he berated me by yelling over and over do you even know what this debt is for? Do you know about your credit? I said cease and desist at least 10 times he continued yelling. I then asked to speak to his supervisor. He continued yelling, had to ask for a supervisor at least 12 times during his rant before he finally put me on hold. His supervisor XXXX XXXX (title: Manager at SW Credit Systems) got on the line and I explained how XXXX  harassed me on the call and that I have requested them to stop calling me several times in the past. She assured me they would not call me again but I believe they are using a different number now because now I'm getting calls from a new number. Each time they call they refuse to tell me what this is about and go straight into wanting me to verify my personal information without knowing who is calling me. I refuse to do this with each call due to fraud concerns. I work in collections for a living I know that you never yell at a customer and when they say stop calling you stop. I have also never heard of a business calling someone and demanding personal information before they will even give their business name. The experience was very unprofessional and violates FDIC regulations. I'm a woman and to be screamed at by a strange man over the phone demanding my personal information was very stressful. I told his supervisor to listen to that call because that should never happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-16
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX  XXXX XXXX and XXXX ), as well as lease an apartments ( XXXXXXXX XXXX XXXX XXXX with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in 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 2022-10-28
Company: DISCOVER BANK
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:
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Discover bank account # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I submitted a dispute request to XXXX, as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. This is now my third attempt at submitting this complain, since XXXX is requiring an authorization. I reached out to XXXX directly on Friday, XX/XX/XXXX at XXXX XXXX EST and spoke with XXXX. XXXX advised the disputes were complete, but no change was made to my report. That obviously can be true since they're reporting incorrectly. Which lead me to next questions. Who validated the debt and what tools were used to investigate my dispute? 

XXXX advised he was unable to provide me with that information and advised I should contact the creditor. That's complete XXXX backwards seeing as how XXXX is the one impugning my representation with their inaccurate reporting. That's compounded by the fact that they didn't even perform a legitimate and reasonable investigation. 

As a consumer, protected under the FDCPA I'm entitled to know the details of any investigation in the matters of MY consumer report. Furthermore, any investigation of any erroneous, inaccurate or unverifiable 'so called debit ' is required to be handled within 30 days unless notified by the Bureau . 

XXXX is violation of the FDCPA as it pertains to the FCRA. Without covering, each article of FCRA I've determined XXXX has violated on at least 5 times, which carries a penalty up to {$1000.00} per occurrence. 

This is my last and final attempt before I submit a formal demand to be filed with the court requesting restitution. 

I am not a lawyer, but a 'natural person ' and a consumer. I demand XXXX provide remove these items from my report immediately and provide proof of the alleged debt, along with their mode of investigation.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am not liable for this debt with XXXX Account # XXXX, I never signed a contract with this company. I have filed with 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 non-monetary relief