BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: Experian Information Solutions 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 name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have one closed account that is reporting negatively on my Experian account only. This is a XXXX XXXX account where I have never been late but is showing on Experian that I have been. On XXXX  and XXXX  this same report shows zero lates. I have requested this to be corrected but Experian several times to no avail. There has been no proff provided to show that this reporting is even accuarate as it is not. This inaccurate reporting history is not only a detriment to my credit file but also does not accurately reflect my payment history. There is also a XXXX account where I have submitted documentation that it was fraudulent that is still reporting on my credit file with numerous lates and a balance. I have contacted XXXX to close this account but Experian is till reporting an open account. At this moment, these fraudulent and inaccurate accounts are only reporting on my Experian credit report as the others have deleted or corrected this incorrect information. This situation has been going on for well over a year and I do not feel the representatives are aware of the trauma and physical and mental anguish this places on identity theft victims. I have also reached out to the CEO of Experian for assistance in this matter as this has been going on for well over a year. 

The fraudulent account to be deleted and blocked is XXXX. Also, I would like the closed XXXX XXXX payment history to be accurately updated to show no lates. 

Please see attached for the police report and supporting documentation.

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 2019-01-21
Company: Bread Financial Holdings, Inc.
State: OK
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 played off the account early and they expected me to keep making payments. I brought this to their attention once and they said it would be fixed but was not the next time I was turned in to the CREDIT bureau for not making payments on a loan that was paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I paid {$15.00} for a certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I received a notification that the fraudulent account was removed successfully from my Trans Union credit report. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account has been put back on my credit report with Trans Union since the credit monitoring website I once used was Credit Check Total and it is now under XXXX. According to The Fair Credit Reporting Act, Section 611,  the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report.

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 2022-10-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX, account frozen by Venmo for unknown reasons. Company refuses to disclose reason or a timeline for resolution. {$700.00} rent payment from my roommate is locked in the account so I can not pay our rent. Company will not refund payment to him or allow me to transfer to my bank. Multiple agents and supervisors will not disclose reason for freezing the account or allow me to speak to someone in the department that would know. Researching online, this has been a recurring issue and seems like it could be a scam to accrue interest on accounts with larger sums of money in them? Have already filed complaints with the FTC and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Bank has not resolved my claim ; I was charged {$100.00} since I was a victim of a fraudulent transaction. I made the claim through my bank and they responded that my claim was not valid. They were not able to provide documentation to prove that the transaction was valid even though in my credit card the transaction was located in XXXX which I have never been there. How come is possible that my Bank did not support its customers and proceed to pay these people who are thieves and clearly are taking advantage of vulnerable people?

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 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been sending dispute letters to trans union, XXXX, XXXX and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX  XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.

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 2018-02-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the XXXX XXXX XXXX XXXX and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from XXXX at XXXX XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX  from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Comerica
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I HAVE CONTACTED COMMERICA BANK AND WITHOUT AN CARD ENTERED MY SSN AND STATED MY LAST FOUR CARD NUMBERS ARE XXXX. CONTACTED DIRECT EXPRESS ON XX/XX/2021 AS ESCALATION AND PROVIDED CHECK NO. XXXX XXXX AND WERE TOLD I WILL RECEIVE CARD 7-10 DAYS. I CALLED LOGIN SERVICE PUT IN MY SSN AND STATED MY LAST FOUR ARE XXXX BUT SPOKE TO TWO REPRESENTATIVES INCLUDING XXXX VERY RUDE NOT TO TRANSFER ME TO SUPERVISOR. THEY SAID THAT THEY COULD NOT LOCATE MY ACCOUNT. IT APPEARS XXXX SSA ARE STILL GIVING MY BENEFITS TO XXXX XXXX XXXX XXXX AND XXXX CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, was listed as the debt collector for an amount of { {$1400.00} }. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank 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 explanation
Consumer complaint received 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I placed a fraud alert on my credit reports as I became aware there are multiple fraudulent accounts on my credit reports. 
On XX/XX/XXXX I paid {$11.00} for a certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent account has Not been removed by Trans Union. 
On XX/XX/XXXX I resent another certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent account has Not been removed by Trans Union. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 60 days since I sent the original certified letters to Trans Union and the accounts have not been removed. 
I am submitting a formal complaint with the Consumer Finance Protection Bureau to get assistance on this imperative 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 explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report XXXX XXXX XXXX , XXXX response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. XXXX XXXX XXXX , XXXX is a collection agency representing XXXX XXXX XXXX Mobility in association with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this XXXX have caused you. Thank you, 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 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Since 2017 I have sent numerous written requests to the credit agency TransUnion in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. In which one they removed. I have requested debt validation of these companies listed on my credit report per Section 609 of the FCRA ... Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have to this day received no validation, no proof of any contract or orally any agreement showing I owe a debt to this company. I have submitted proof that one of the amounts listed for {$500.00} was removed by TransUnion, but yet the {$1700.00} amount still appears on my TransUnion report. This is a clear and blatant violation of Section 609 because nothing has been provided to me despite the numerous times I have requested validation of this account from XXXX XXXX XXXX. I am humbly asking tis matter to please be investigated. As shown by removing the amount for {$500.00} shows I have no contract with this company or any oral agreement with this company I owe them none of the monies listed they say I owe, and no validation of these accounts were given to me as I have requested numerous times. I am humbly asking for an investigation into this matter. 


Thank 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 explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have {$100000.00} of loan debt via Sallie Mae/Navient, and XXXX  They continue to mislead me in regards to interest rates, I am the victim of high inflation rates, aggressive collection tactics, incorrect account balances, inaccurate payment allocation, uncooperative customer service, missing documents and records of phone conversations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have 2 medical collections on my credit report that are a result of identity theft. The name of the collection agency that the debts were sold to is Account Resolution Services ( ARS ) and this is the company that has been harassing me to pay a debt that is not mine. The dates they were opened and the amounts of these 2 collections are as followed : ( XXXX ) {$1300.00} and ( XXXX ) {$980.00}. Ive made several attempts disputing and informing ARS under the FCRA that this is not my debt and that they need to remove it immediately. These attempts date back to XX/XX/XXXX but yet nothing has been removed.

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