BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. 
I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold to them ( Southwest Credit ). I also advised them that if the original creditor have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an NOTHING. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Southwest Credit company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. 
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Southwest Credit to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, illegal credit reporting, no jurisdiction and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: General Motors Financial Company, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from GM Financial. I cant say this more emphatically, I have never had a GM Financial account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was unlawfully denied my own credit under 15 USC 1611, 12 CFR section 1002.4, 15 USC 1681 ( a ) & ( b ). 

Not only were my consumer rights violated on XX/XX/XXXX, I was unlawfully denied on XX/XX/XXXX & my credit was impacted for over two years due to a derogatory report on my credit. 

I would like to receive written notice from CARECREDIT underwriter listing of all the factors that were involved in this consumer transaction.

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 2023-04-21
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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 explanation
Consumer complaint received 2020-02-01
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING FRAUDULENT ACCOUNTS WITHIN 4 BUSINESS DAYS OR LEGAL MATTERS WILL TAKE PLACE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX IL 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 2021-06-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason. I worked hard for my money. I deposited my stimulus check and also my payroll check into the PayPal account. They immediately put a freeze on it until I could answer them where the money came from. They said there was suspicious activity. I am soooooooooo ANGRY!!!!! I worked hard for that money. Holding my money for 180 days is NOT an option. I am a single lady working hard and I need that money back. If they don't want my business that is completely fine cause at this point I don't trust them. I just need my money back. They are holding a total of XXXX. I talked to account representatives multiple times " Oh XXXX we are sorry for this I will help you '' " here is a voucher for XXXX for the inconvenience ''. NOT interested in a voucher! I also talked to a manager and he said there was nothing he could do. It is their policy to keep accounts " safe ''. I said it was me who deposited the money and it is me in the flesh who set up my account. If I had a question about a transaction I would be the first to call. I got NO help from him. He said it would go to the review board and I would have an answer within 24-72 hours. Answer was I " You can no longer use PayPal ''. I don't understand the 180 days hold on my money!!! Please help me! I am so ANGRY at them. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: MI
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've been disputing a fraudulent account that has been reporting on my credit report. The company is XXXX Credit Card {$3000.00}. A credit repair company provided me with the documents of this account. I immediately contacted Experian to dispute this account. 

Spoke with the customer service representative and was told to contact XXXX. I called XXXX Fraud department and was told by them to provide them with documentation showing this account was not a account I opened. I submitted the police report, and affidavit of fraud and forgery that was notarized by my credit bank. I also sent them identity theft victim information sheet that I filed as well. 

This process has been ongoing with them. XXXX sent me a letter in XX/XX/XXXX saying that after their investigation the account was opened in XX/XX/XXXX, and they provided an address that is not an address where I have lived. At that point I had my apartment complex provide XXXX with a letter stating I have only lived at one address in the complex. And as of today Experian and XXXX are holding me against my rights to an account they have failed to prove I opened. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) block of information from Identity theft. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency '' .... but this matter has been going on for years and Experian nor XXXX Credit Card has upheld this law.

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 2023-08-01
Company: Experian Information Solutions Inc.
State: OK
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 explanation
Consumer complaint received 2017-12-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collections and Outsourcing has reported a collection on my credit report for {$1800.00}. I requested validation of this debt to which they sent me a copy of the lease agreement from XXXX XXXX XXXX XXXX XXXX which clearly shows that it was NOT MY SIGNATURE AND THERE WERE NO PAYMENTS FROM ME NEITHER IT DID LIST MY SS #. I disputed this account as fraudulent, sent them copy of my id with my name and actual signature to both XXXX and Fair collections. Their response was " it is accurate and we are not obligated to validate or respond to you '' ... see attached proof this is illegal collection now they are calling me at home, work and my parents threatening to take me to court. this needs to be stopped!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My experian credit score dropped 14 points for 1 inquiry with XXXX XXXX XXXX..I filed a complaint.They investigated and dropped my score another 9 points. On XX/XX/XXXX my score went up 2 points..A week later with the same info., my score dropped 9 more points after my complaint.Thats 23 points for 1 inquiry! I called and they said to hire a credit specialist..They had no answers..my credit usage is 23 % which is under the 30 % ..They keep dropping my points for the same inquiry over and over! One inquiry should be 4 points max! I have exceptional payment history and no late payments..They have been deducting points over and over for one inquiry as an attempt to get me to purchase their services! ..I worked hard on my credit score and they are abusing their power to ruin my score for their financial purposes! I asked for a written statement but they said " Go hire a credit specialist! " ..I dont understand how they dont have answers if they dropped my score for nothing! I feel as if they are trying to force me to buy their products ( credit protection, monitoring, etc. ) and if we dont buy, they begin illegally dropping our score! I complained about them dropping my score 14 points for 1 inquiry..They responded by dropping my score another 9 points for the same inquiry! I am out of options so I filed this complaint..I am forwarding documents of my score before and after..One account they deducted 23 points! .. Right after my score went up 2 points with the same account! I see that if we file a complaint, they deduct points as an act of revenge..

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 2017-12-19
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: Account information incorrect

Complaint:
Experian has on my credit report by Experian your accounts that may be considered negative in which makes no sense by them that it would be XXXX 2022 before the account is scheduled to got to positive status there has not been a late payment on XXXX XXXX credit card in over 24 months so why would it take 5 years from now to go to positive in which is stated by Experian on my credit file. 

So how does it take 7 years for an account to go to Positive which is stated by Experian on my credit file. 

Experian XXXX : Your account that may be considered negative ( Continued ) As stated by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Today XX/XX/2020 I just received the results from my dispute with XXXX   credit reporting agency. I disputed XXXX XXXX XXXX account that shows as derogatory. The results were the bank said its accurate. I received a letter from XXXX XXXX XXXX stating it will be deleted off my credit report. I uploaded the letter to XXXX as well to show prof the bank agreed to remove it but never did what they said they would do. I am uploading the letter here as well.

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 2017-12-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I can not use my credit card to make purchases or log into my online account to see the amount of balance I owe. Around XXXX/XXXX/XXXX, Chase says my account must be reviewed by fraud team due to potential fraud associated with the account. All the purchases have been made by me or my son ( who is an authorized user ), and they said someone from fraud department will contact me by next day or two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: VA
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 checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my banking application profile for about 5 weeks now. They display erroneous information on their website, saying that it will be resolved after 24 hours, however, this does not happen. I have called the customer care line repeatedly with no luck ; they end up transferring me to many departments and units with no resolution in sight. 

I escalated this initially and was told it will be resolved but the same thing is still happening. They claimed they resolved the issues and sent a response through XXXX, yet nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: TN
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:
Collection Agency is reporting on my credit and it is not reporting correctly information I asked for a validation and I can not seem to get that I've asked that it be corrected the dates the original account does not showing you where it has all new dates all of that is incorrect if you ask for a validation then they should have to give you one and they have yet to do so nor have they fixed it incorrect information nor does it have the original dates on there the report that the block it is new to where it messes with my credit worse

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 2019-04-15
Company: General Motors Financial Company, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I called GM several times to send me the paperwork for my lease to register it to my new address with the dmv and they haven't sent me the paperwork. 
It's costing me a lot of extra money in insurance and it's important for me to register it in my new Address which is in a different state.

Company response to consumer: Closed with explanation