BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
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: Investigation took more than 30 days

Complaint:
I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus Experian, XXXX, and XXXX are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g!

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT XXXX XXXX complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXXXXXX XXXX  I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer 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 2022-12-03
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-03
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2900.00} XXXX  XXXX Balance : {$32000.00} XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00}

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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u 6325 payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: ALLY FINANCIAL 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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 states a consumer reporting agent can not furnish an account without my written instruction 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 purpose

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 2022-12-03
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 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 explanation
Consumer complaint received 2023-08-10
Company: R&R Professional Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The law sates that no medical bills under {$500.00} can be put on your credit reports please Delete this asap

Company response to consumer: Untimely response
Consumer complaint received 2023-07-10
Company: Accscient, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to address the ongoing matter regarding an alleged debt that your collection agency is pursuing on behalf of XXXX XXXX XXXX. I recently received a communication from your agency dated on XX/XX/2023 but I received on XX/XX/2023, which claimed that I owe a debt in the amount of {$180.00} to XXXX XXXX XXXX. However, I have several concerns regarding this debt, which I would like to bring to your attention. 
First and foremost, the name associated with the alleged debt is not my name. It is essential to note that I have never entered into any contractual agreement or financial arrangement under the name mentioned in your correspondence. Therefore, I request that you provide proper verification and documentation to establish the accuracy and legitimacy of the debt in question. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically section 15 USC 1692G, I am entitled to receive this information upon my request.

Furthermore, I must emphasize that I have not received the complete medical bill from the healthcare provider involved. The bill lacks essential information, including the medical coding, place of service address, and Tax ID number, which are necessary for my insurance company to process the bill appropriately. I have been actively pursuing the complete and accurate documentation from the healthcare provider but have yet to receive it. Consequently, any attempts to collect on this debt are unwarranted and erroneous. I kindly request that you thoroughly investigate and verify this information on your end before proceeding with any further collection activities. 
I would like to remind you of your obligations as a debt collector under the FDCPA. Section 809 ( b ) of the FDCPA states that, upon receiving a written request for validation of the debt, you must cease all collection efforts until you provide the requested verification and documentation. Failure to comply with this requirement may result in potential legal consequences.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : ARS ACCOUNT RESOLUTION I am not liable for two alleged medical debts with ARS ACCOUNT RESOLUTION ( {$1500.00} and {$1500.00} ). I do not have a contract or signed agreements with ARS ACCOUNT RESOLUTION. ARS ACCOUNT RESOLUTION has not sent me any correspondence to my address ( XXXX NJ ), but they are reporting derogatory notations on my credit report. I also did not sign authorization for my medical information to be released to ARS ACCOUNT RESOLUTION. On XX/XX/2023, I sent two separate debt validation letters to ARS ACCOUNT RESOLUTION for two separate accounts. The validation letters were mailed via certified mail and received by ARS ACCOUNT RESOLUTION on XX/XX/2023 and XX/XX/2023. ARS ACCOUNT RESOLUTION has failed to respond to my request to validate the two alleged debts. I am requesting that these alleged debts are removed immediately from my XXXX, XXXX, and XXXX reports -- due to nonexistent contract/agreement with ARS ACCOUNT RESOLUTION, failure to provide correspondence to my address, HIPPA violation ( s ), and failure to validate these alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX. I called XXXX several times requesting that I receive a letter indicating that once the balance was paid in full, that they would remove the account from collections within XXXX business days. 
-I was placed on hold several times. 
-Representatives hung up or refused to allow me to speak with a supervisor -after several attempts, I was told that a supervisor would call me back. 
-A supervisor finally called but still refused to provide a letter indicating that the account would be removed from collections within 30 days once paid XXXX gave me the following phone # to call for collections agency XXXX XXXX. I called the collections agency ( Virtuoso Sourcing Group ) at XXXX and I requested that they email me a Statement indicating the details of the debt, name of collector, and amount of debt in writing. They refused to provide it several times. Then finally I was sent to a supervisor who asked for my email address and stated that she would send me the statement via email but SHE NEVER EMAILED IT. 
-I also asked again ( after several requests ) if they could provide a letter stating that once the balance was paid in full, that they would remove the account from collections within 30 business days. I mentioned that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. The collections agency refused to send this letter via email.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX XXXX  ; XXXX # : XXXX, Account name : XXXX XXXX ; Acc # : XXXX, Account name : XXXX XXXX ; Acc # : XXXX, Account name : XXXX ; Acc # : 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 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 data 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 2023-08-30
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I'm going to talk about the fraud, but what I'm really after is PayPal 's complicity in the fraud. 

I encountered a fraudulent website, " howly '' yesterday, XX/XX/2023. They claimed to offer a {$1.00} trial, with a $ 49 monthly fee after that. I looked them up on XXXX, but I misread the rating, so I thought they were ok. 

In a conversation with their Chat AI, they claimed to offer a lawyer referral service. 

The minute I was connected to a human, I discovered, no. 

So I canceled the service on their website, and immediately went to PayPal to check. What I found was that they had already made 4! transactions. {$49.00}, XXXX, XXXX, XXXX. All within a second at XXXX. 

I immediately terminated the " billing agreement '' on Paypal 's website, and started disputing the charges. I did that at XXXX XXXX I also started disputing the charges, the first one was completed by XXXX XXXX 

By XXXX XXXX  PayPal had decided the first dispute in my favor. A gap of XXXX minutes way outside of business hours implies to me that PayPal has automated the dispute resolution for this vendor, which means they know that XXXX is fraudulent. 

But they continue to take payments for this source. So even though I am out only {$1.00} at this point, I am holding PayPal responsible. They are enabling and profiting from this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/2023 at XXXX XXXX I attempted to log into the TransUnion online portal. I couldn't recall my log in information so I went through their process of verifying myself with my social security number as well as answering their security questions. Having successfully answered them I still received a message stating that their online portal could not verify me and I had to call customer service. I learned from the agent ( XXXX XXXX ) that my user name was not my email, transunion should have been able to send me my username without the burden of having to call them and go through several minutes of waiting to get to speak to someone. Then when I attempted to submit my dispute online I could not, it said I had to call. Since I was one the phone with the representative I asked about that and told her I have all the correspondence here and that the issue was an issue affecting my Federal Rights to housing, their inaccurate information was denying me housing, over an issue that was inaccurately reported on my account. The representative told me I had to mail my dispute I could not fax or email it and when I asked to be transferred to a manager she stated she could not transfer me to anyone I'd have to call back. It was extremely frustrating and I recalled going through that about a year ago when I contacted every other credit agency about the dispute and they removed it from my credit, TransUnion was the only one not to. After really taking my frustrations out about this with the representative and requesting a call back from a manager, then later I discovered I could finally submit my dispute online. I feel they intentionally make it extremely difficult for the consumers to dispute the information on their reports, which causes huge impacts to individuals lives like this one for example denying me for housing even though my credit rating is over 800, because of a fraudulent landlord who claimed I owed money I did not and put me into collections, instead of taking me to court and following legal action where I could have proven my case, I've been negatively affected with an adverse action which denied me housing, there are federal laws against that. TransUnion needs to stop making it nearly impossible for consumers to dispute false claims on their reports and allow consumers to use their online portal to dispute transactions.

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 2022-12-03
Company: EQUIFAX, INC.
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: TX
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 never gave Experian or its XXXX Experian solution Services any written consent to report anything on my consumer report. NO consent is IDENTITY THEFT Pursuant to 15 US Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Experian or its XXXX Experian solution Services any written consent to report anything on my consumer report FTC Complaint number is XXXX IF Experian representive thinks I received goods the representative must sign under penalty and perjury that his/her statement is true and they must also provide their proof of claim to make it accurate and factual

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXXXXXX XXXX Balance : {$360.00}

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