BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: WA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account name XXXX XXXX XXXX  XXXX 15 U.S. Code 1681 section 602a states I have a right to privacy. 

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 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 2023-08-16
Company: AFNI 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: Account status incorrect

Complaint:
I am not liable for this debt with XXXX. I do not have a contract with AFNI, INC.They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NJ
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, Equifax, XXXX ) has violated my rights on XX/XX/2018 and XXXX XXXX 15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: GLA Collection Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any notice of debt attempting to be collected from GLA Collection Company. After noticing not one, but TWO derogatory marks on my credit report from them : account # XXXX for {$3300.00} and {$1000.00}. I initiated communication with them to get a better understanding of where this debt is coming from. I have not paid any hospital a visit in the last 5 years. I contacted the supposed original creditor XXXX and asked for further understanding on how my information has been obtained, why it has been disclosed to a third party, and when was I going to be informed. XXXX confirmed to me they actually do not have any of my information on record, and could not have shared any information with this collection agency due to that being a violation of HIPAA. I contacted GLA Collection Company in XX/XX/XXXX to request a validation of these debts and all i received was a bill summary ( It can not even be classified as an itemized bill ; itemized bills list each item/charge ), which i have attached. This document did not include any context of the charges or any breakdown of each supposed charge, and as requested, any and all itemized bill should have a full detailed breakdown for what is being collected on. Upon receiving their response, I noticed on my report the debts are now dated for XX/XX/XXXX but in the bill summary provided by them, the date is XX/XX/XXXX. This is illegal according to the FCRA and reporting as a recent debt, which is another valid reason for removal. I again attempted to reach out to this company with no current response, as it will approach the 30 day mark on XX/XX/XXXX. I have attached my 2nd attempt to validate this debt as well. This company states they are collecting on behalf of an original creditor and I'd like more confirmation on how that is possible if : a ) the original creditor verified no debt was sold to this company because they have no record of me at their facility. b ) YOU as the collector can not even verify, validate, or confirm any information on these debts besides a total amount. I strongly feel there have been many violations of my rights under the FCRA and request these to be immediately removed. It's not logical ( nor ethical ) to expect money to be paid, but as a company you can not communicate or validate any requested information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Financial Business and Consumer Solutions.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A few months ago, I was contacted by phone by XXXX XXXX about a medical debt from XX/XX/2017. When I answered, they tried confirming my information and my social security number was incorrect so I hung up because I thought it was a scam call. Then, I received notification by mail that I owe the amount of XXXX to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I notified the company through mail that this is incorrect and would like to dispute the information and be provided documentation. The documentation provided shows an incorrect social security number. I am sure I paid this debt in the past and convinced I am being double billed for a service. I tried contacting XXXX XXXX, who was the original creditor, and they could not find any information about me with both my new and incorrect social. I do not understand how I can be billed 6 years later under something with an incorrect social AND when the original creditor doesnt even have any information on my account. I believe I am being billed falsely and illegally. This collection agency should not even be attempting to collect a bill that isnt with the original creditor or with incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
State: ND
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:
On XXXX XXXXXX/XX/2023, I was at work when I received an Alert for Credit Monitoring from XXXX XXXXXXXX, XXXX, Level Credit by Self and Identity IQ saying that I have applied for a new credit and it is from XXXX 's XXXX XXXX. I was already clocked in and busy with work. I immediately called XXXX 's XXXX XXXX telling them that Someone have use and membership card and they have applied for their credit card. XXXX of the customer representative on the phone with me tried to help me out but she told me that she can't get my information and they will call me back or I have to reach out to Synchrony Bank myself. Immediately I called them and two of the representatives I talked to on that they couldn't help me solve my problem but instead they were telling that they are having bad reception on their end and they will have to call me back. I waited all day neither XXXX 's XXXX representative or Synchrony Bank called me. When I called Synchrony Bank, I was told to contact the Credit Bureaus. I later disputed the UNAUTHORIZED INQUIRY on my credit profile with them but instead they replied to me by telling that ; " Our records indicate the inquiry... was the result of an application for credit processed on the XX/XX/2023 for a XXXX account. '' The question here is, How can I apply for a credit in store when I am at work?

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 2023-06-13
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This year i have had to replace two credit cards for online transactions because of Fraudulent web sites or company 's. Text today from phone # XXXX. 
This is the text as follows, XXXX XXXX XXXX : citybankN.A. We ' locked your debit card. 
Visit XXXX XXXX XXXX Thank You ; 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 2023-06-12
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Wayfair is withholding access to my account. They are refusing to let me login to my account and are not giving me any information about my account. This is illegal. I provided with all of my verification information and have spent hours on the phone and they just transfer me around in circles. They need to give me online access to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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:
False reporting was not made by me below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I failed to received a settlement from the Wells Fargo class action lawsuits of an unknown amount to an old address sometime in XXXX. 

The only notification I have is a XXXX IRS tax form submitted of {$30.00} in interest earned on the settlement check, which was also mailed to an old address and was forwarded to me in XX/XX/XXXX. 

I have tried contacting the settlement administrator but received no response. 

I am asking for my settlement check to be mailed to my current address.

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 2022-11-24
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:
I submitted a letter to the 3 Credit Bureaus to discard 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. I need these accounts removed immediately : 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 non-monetary relief
Consumer complaint received 2022-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've got really good credit I've applied for other cards and it comes back saying this application is fraud fraudulent I ve been working since I was very young and never had a payment been late I deserve card account bank account I worked hard to build my credit so I deserve the opportunity to get any card without it saying fraudulent. XXXX XXXX XXXX ss 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 2023-01-13
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have a lease with Chrysler Capital and they are destroying my credit. 

My payment information is incorrect. My name is mis-spelled. I have tried to correct it numerous times with the company. This has led to endless confusion. 

They have reported that I have been delinquent on payments. 

I am attaching an excerpt from my billing statement from XX/XX/2022, which was a month where they claim I was delinquent past 30 days. I can supply the full statement if necessary. 

At the bottom, it shows that the total amount due as of that statement is {$0.00}. Yet that same month they reported me for being delinquent. 

I've called them and spoken to senior managers who claim they " are not able to access my statements '' due to " system issues ''. Multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-11-24
Company: Experian Information Solutions Inc.
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 they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX 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 2022-12-16
Company: FREEDOM FINANCIAL NETWORK
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. FREEDOM PLUS aka XXXX XXXX XXXX is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Affadavit Of Fact & Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by FREEDOM PLUS/XXXX XXXX XXXX that rebuts my position. 
While the burden of proof lies with FREEDOM PLUS/XXXX XXXX XXXX I am willing to pay any amount owed plus 75 % interest upon FREEDOM PLUS/XXXX XXXX XXXX presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-08-09
Company: 90 Day Credit Experts
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The scammers talk a good game and promise you the world to get you into a contract and threaten to turn you over to there collection agency and put negative information on your consumer reports for terminating them.Yea they did get 6 items deleted or I did myself because prior to hiring them I also sent out disputes of my own so who knows if it was me or there dispute thats got the six items removed any how they keep bouncing me from one person to another Ive had three in five months they warranty that your score will go up 100 points in 90 days or a money back guarantee I havent seen a increase nothing like they promise then had the nerve enough to say its because off the late payments in my consumer reports.They dont return your calls they always have a excuse but let it come time for payment and low and behold you can talk to anyone in the building these people need to be put out of business and quite scamming people by taking money before they do any work if they want to fight this Im fully prepared all I can say is if they are feeling groggy then jump because there aint no fence around this XXXX!!!

Company response to consumer: Closed with explanation