BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Asset Management Outsourcing, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My elderly mother XXXX XXXX XXXX receives repeated phone calls from a credit recovery company for a medical bills that is over 10 years old. She retired from her job back in XXXX  and used to go XXXX XXXX for health care services. She last went to XXXX back in XXXX. Unfortunately, she did not pay the {$160.00} medical bill, because she thought that she was still covered under XXXX 's health plan. 

I screened all her phone calls because of the increased number of scam calls received from various companies and vendor, on a daily basis.. My mother is XXXX XXXX XXXX and not in good health. As her daughter, I have to protect her from various individuals and organizations that phone on a daily basis with all sorts of scams. 

Since my mother retired back in XXXX, we only received a few notices from her health insurance about the medical bill. However, Nationwide Recovery Service ( XXXX ) started to call her within the last several months. I have repeatedly told them that she does not owe the debt. They insisted that she pay the bill! Each time I discontinue the phone call. Today, I received another call from this company attempting to get the bill paid. I told them that the bill is old and time barred. The individual kept trying to talk over me and wanted some information. I ended the phone call. 

My mother is unable to care for herself and I have to take care of her as best I can. This includes avoiding her getting upset by any harassing phone calls. It's gotten to the point, that I turned the ringer off on the phone by her bed. I want to avoid her getting upset over something that is not owed. Can someone in your office help me with this matter? Thank you for your consideration of this matter. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act 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.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the documents provided. I am urging the bureau to begin an investigation into the accounts that inaccurately depict me as late in my payments. ''

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: MN
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 starting my credit history, but when trying to apply for a loan, they tell me that I have a debt, when reviewing my report, only the Experian company is reporting a collection that was opened in XXXX, which is impossible for it to be mine since I was not here on that date, about a year and a half ago I arrived and I just got my social security ; Understanding that it is an error, I called the company on XX/XX/XXXX and now I have received a letter where the debt that does not belong to me still appears, I asked and informed them that it was an error, perhaps they are confusing the person but they have ignored me.

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 2022-04-24
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXX XXXX XXXX Account # XXXX XXXX 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 customer reporting agency can not furnish an account without my written instructions.

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 2022-06-25
Company: Debt Recovery Solutions, LLC
State: VA
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:
DEBT RECOVERY SOLUTIONS Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account Balance : {$1100.00} Consumer Statement : Placed for collection This company has been harassing me by telephone and contacting family members about a debt that has already been placed on my credit by 2 other Collection agencies.. Every XXXX months they submit a new hit to my credit and act as if the account is new the account is a old account at least 6+ years and they keep hitting my credit with the same old bill and it has already been submitted and attached to my credit report. they will not remove it i have tried to dispute it due to already being on my report and they will not listen they just keep submitting it as a new debt multiple times causing my credit score to crash XXXX pts each time for same bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Convergent Resources, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi this account with XXXX  XXXX XXXX XXXX was removed from my XXXX XXXX report based on online fraud this account was obtained under false pretense online with this company. I did not open this account and provided no information to this company please remove this account from my credit report. 

CONVERGENT OUTSOURCING this account was obtained by phone or online under false pretense i did not open this account and use services related to this company this account was removed from my XXXX XXXX account based on fraud please remove this account from my 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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I attempted to mobile deposit a check I received with Bank of America. It stated that it usually took about 3-7 business days to clear to insure funds were available to cover the check this happened back in XXXX I believe. Undoubtedly there wasnt enough money or the account had been closed so the check came back I never had access to the money whatsoever. Months later I had two fraudulent charges on my account that I reported about two weeks later I attempted to login to my account and was unsuccessful. I reached out to Bank of America where I was told my account was closed and my funds would be sent to me whenever they saw fit.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: MO
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 XXXX Account # 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

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 2022-11-28
Company: Lendmark Financial Services
State: NC
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:
LENDMARK FINANCIAL Services called me today and wanted to make me a loan offer. The lady that called told me they would pull my credit report to do this. I asked if that would count as an inquiry and she stated " yes. '' I told her she did not have my permission to do this as I did not want a hard hit on my credit reports. She stated " OK, if you change your mind about borrowing money from Lendmark, call us back because we have to do the credit pull to complete and application. '' XXXX later I get a email stating someone had pulled my credit & it was Lendmark. I called and spoke to the local XXXX XXXX. She stated " We did not pull it, it must have been someone else. '' I told her that was not true and it was Lendmark after I told them not to do so. She then stated, " I am not sure how to remove it and will have to contact our home office and call you back. '' XXXX 's local number is XXXX. 

I also called XXXX and they told me I would have to file a fraud report to get them to assist me with the removal of the inquiry by Lendmark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX 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 Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00} ; 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

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 2023-08-17
Company: Experian Information Solutions 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 a gainst 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX XXXX 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 of 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 2022-06-25
Company: EQUIFAX, INC.
State: MO
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 XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: IL
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 new and updated information regarding previous disputes. Equifax has been and are continuing to be negligent with information on my consumer report and are not in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX  Account # XXXX DEPTEDNELNET Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT # 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

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 2022-11-28
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of a scam through my PayPal account. Scammers gained access to my account fraudulently and requested a payment for {$500.00}. As I researched the request a pop-up box came up in the PayPal application telling me to call a phone number to fix the issue. When I called the number, the individual stated that he was a paypal representative. He had access to my information and told me that they needed to secure my account and took me to several protocols, resulting in forcing me to perform a " dummy '' funds transfer from my checking account in order to fix the issue in my PayPal account. I believed that the person was an employee of PayPal because all correspondence came through the PayPal application and not a secondary entity or application, like email. I later found out that it was the scammer I was communicating with and the " prorocols '' he took mt through caused me to lose {$720.00}. When I later contacted PayPal, I was informed by a representative that they were aware that accounts had been compromised, yet I never received a notification to that effect. If a company knows that their customers ' accounts have been compromised they should do their due diligence and let the customers know. PayPal has informed me that since the funds did not come from my account with them that there is nothing they can do to make me whole. However, this scam is directly linked to their inability to secure their platform and they should be assisting affected customers in obtaining the funds that were lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, 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 explanation
Consumer complaint received 2022-06-25
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: Was not notified of investigation status or results

Complaint:
I asked for the permissible permission used to have accessed my credit report by XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) and Experian in XX/XX/2017 that I had requested for 5 years. Experian replied - According to our records, the disputed item does not appear on your personal credit report at this time. This is false and is still on my report. Perhaps this person was new at Experian and hit the wrong programmed reply button.

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