BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 report containing any of the following 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 the information is inaccurate.

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 2018-07-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have XXXX hard inquiries on my XXXX report and 6 hard inquiries exqifax report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information

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 2021-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX, Equifax, and XXXX  are reporting. These negative items must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: California Accounts Service
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:
This collection company is collecting against me while the debt is not mine. The debt belongs to my adult son. I have explained this to the XXXX XXXX XXXX XXXX XXXX- original debtor and California Account Services XXXX who is currently posted it against my credit report as an active collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character

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 2022-10-12
Company: WELLS FARGO & COMPANY
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:
This is the XXXX times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 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 explanation
Consumer complaint received 2021-01-28
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I've been incarcerated at the XXXX XXXX XXXX XXXX at XXXX. XXXX  XXXX XXXX, OK XXXX in the Oklahoma Department of corrections since XX/XX/XXXX at no time did I ever apply for the Guitar Center Credit Card Synchrony Bank. I've been a victim of Identity theft, at no time was this credit card sent to the above address on file. I've disputed this item with synchrony bank two times, both times I was denied. On XX/XX/XXXX the 2nd was just denied to too the fact the company says its a valid claim without doing a proper investigation with would clearly shows that I've been incarcerated in the Oklahoma Department of corrections which can easily be verified had the investigators properly took my situation seriously then there would've been no doubt that from the record it will show that I could not had applied for this account, that I was a victim of Identity theft. I have attached documents that shows when I stated my time, a copy of my prison ID, a Letter from my case manager from the Oklahoma Department of corrections, my 2nd dispute letter in reference to my dispute.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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 any item 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXX NA XX/XX/2022 ; P XXXX XXXX C U XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-02-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
experian shows XXXX  XXXX  XXXX as not paid, this medical bill has been paid in full, see attached

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 2021-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on XXXX 'XXXX  response about the written requests I sent regarding WAKEFIELD & ASSOCIATE. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: FirstPoint Collection Resources
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FirstPoint Collection resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted FirstPoint, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 

FirstPoint responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by FirstPoint bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. 

Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet FirstPoint continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I also reached out to FirstPoint by phone and spoke to a woman by the name of XXXX to try and resolve the issue because I am trying to purchase a home and this item is negatively affecting my credit report. I explained my situation and asked if i could get a goodwill deletion if I paid the debt in full ( even tho it wasn't mine ) so it would no longer show up on my XXXX credit report. XXXX told me that they would not give a me a Goodwill Deletion and would still report the collections account to my credit report even after I paid the balance. FirstPoint 's policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a text message that my ATM card had been used to withdraw {$40.00}. I was sitting in my hairstylist 's chair with product in my hair so I was able to call immediately. Fortunately, within 15 mins I was able to wash my hair and excuse myself from the rest of the appointment to call Chase and let them know there must be some mistake. I was 30 minutes away from the ATM location listed on the charge ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). I still had the ATM card in my purse with me. The representative assured me that my money ( {$40.00} ) would be returned to my account, but that the card must be closed. I asked how this could happen. This was a newly activated card and I had only used it at another Chase location ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) a few times. Again, representatives told me that thieves have ways to clone cards and copy pins. Since I was getting my money back I was relieved, but aggravated I had to get a new card. The money was returned that same day. 
Then on XX/XX/XXXX, I noticed a pending reversal on my account for the {$40.00}. Chase never notified me that they denied my claim. As of today I still dont have such notice. I spoke with XXXX XXXX from the XXXX XXXX branch and he has tried to help. However, Chase corporate will not release video tapes to review who was using my stolen information. Nor will Chase review how many other accounts this may have effected at the XXXX Chase ATM. I strongly believe I am not the only one. {$40.00} is very small, but if you take {$40.00} from multiple people this could add up quickly. Its someone who knows how the system works. They use a low amounts so it is least likely to be detected in a timely manner and not enough to warrant a police report or seizure of surveillance tapes. Since this theft occurred at the Chase locations ( I NEVER used my card anywhere else ) Chase is responsible for the money stolen. For all I know it could have been an employee at Chase or Chase simply not properly monitoring their ATMs for hacking devices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-02-25
Company: MIDFIRST BANK
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: Account status incorrect

Complaint:
Midland mortgage is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. XXXX received a copy of a letter from Midland Mortgage stating the account is in good standing however, it is still being reported ad late and XXXX will not update 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 explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2018-07-31
Company: Experian Information Solutions Inc.
State: FL
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 notified my certified mail the credit bureau named Experian 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.

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 2017-12-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase of {$48.00} on XX/XX/XXXX using my XXXX XXXX card. On XX/XX/XXXX It acquired a finance and late free charge of {$28.00}, this was due in part to the fact that I had been issued a new debit card by my bank and could no longer make payments using my existing account. On XX/XX/XXXX After calling, XXXX was able to credit me {$15.00}, which brought my balance to {$61.00}. 

On XX/XX/XXXX I made a payment of {$48.00}, brining my overall balance to {$13.00} plus a minimum charge of {$1.00} which was assessed on the account on XX/XX/XXXX. This brought my total outstanding balance to {$14.00} with a due date of XX/XX/XXXX. 

On XX/XX/XXXX I paid the total outstanding balance of {$14.00}. However, on XX/XX/XXXX I was charged another minimum charge of {$1.00} ( which I was never notified about ), followed by another charge of {$15.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX. All these charges bring to me to a current overdue balance of {$52.00}. 

I do not feel like it is my responsibility to pay the remaining balance, when my total balance was paid off on XX/XX/XXXX. They are alleging that the addition of the {$1.00} minimum charge on XX/XX/XXXX is what rendered my account overdue and triggered the subsequent charges to be assessed to my account. When I called and spoke to a representative I was told that " minimum charges '' are assessed on accounts on the fifth of each month. That charge was not on my account on XX/XX/XXXX and account activity shows it was applied on XX/XX/XXXX. In the past the " minimum charge '' had been added to my statement on XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX, conveniently, it was added on XX/XX/XXXX. 

I tried my hardest to satisfy my account with XXXX XXXX all while coping with a mother who was XXXX of XXXX. When the average consumer looks at the account activity page which is supposed to help cardholders it is very confusing to understanding how charges are being applied to the account and what the true outstanding balance is. XXXX XXXX is penalizing cardholders by assessing late fees on XXXX balances. XXXX XXXX assesses charges without showing the true outstanding balance which misleads consumers who are trying to pay off their cards. I am not responsible for the total outstanding balance as it is made up of charges by XXXX XXXX and not reflective of any purchases made using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery is reporting erroneously on my credit file. I recently checked my credit and noticed that Express Recovery was reporting collections that had already been paid and satisfied. I was told when I settled these that the accounts would be removed from my credit and I took their word. However, every time I look into my credit, the collections are still reporting. Not only that, this is all medical debt! I never signed a HIPPA release form to allow Express Recovery to report on these accounts. This is a huge HIPPA violation and it must be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation