BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NV
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. 

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 2022-09-20
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:
Hello, my name is XXXX XXXX, a federally protected consumer and natural person. I am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2023-03-28
Company: R.M. Galicia, Inc.
State: AZ
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:
Beginning or about XXXX of 2022, Progressive Management Systems received three medical debt accounts with balances less than {$500.00} each. Progressive Management Systems did not wait the required 12 mos prior to reporting the medical debt to credit bureaus. Further, Progressive Management Systems combined balances from different dates of service for the purposes of reporting debt that is not yet eligible for reporting, and for reporting debt that does not meet the greater than {$500.00} threshold for reporting. This was done to damage credit in an effort to coerce payment of low balance medical debt. This agency has failed to respond to requests for removal of the prematurely reported balances and continues to report one large balance instead of the individual accounts that they received with balances that resulted from different dates of service. They are abusing loopholes in the law and have failed to substantiate the debt amounts despite requests to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: SC
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 disputed a collection on my account online and through certified mail with Experian for a collection called ( XXXX XXXX XXXX ) Everytime I get a response that it was verified without any proof of validation which I have requested multiple times..XXXX  and XXXX have resolved this issue but experian is refusing to follow the fair credit act and show me proof ... not once have I seen a verified signature of mine on any documents to prove I owe this debt.. this collection is hindering me from obtaining a loan and if it is my debt I require actual proof of signature. Some sort of signed document that shows its mine. Otherwise it needs to be removed immediately..

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 2022-12-10
Company: Experian Information Solutions Inc.
State: OH
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:
The following accounts listed in this report are not mine. I have never done any business with or heard of this company. XXXX XXXX or the medical account listen on my credit report. I have tried to resolve this with the credit bureaus. I demand immediate removal and accounts blocked from both of these accounts from ever reporting in the future or being sold to any other illegal third party. Also, the law states any medical debt reporting is a hippa violation and must be removed. I'm a victim of identity theft my personal information was stolen due to the XXXX and XXXX data breach as well as the XXXX. My information was also found on dark web names listed on my report and address, not mine. Failure to comply and remove these accounts will result in a lawsuit and XXXX per violation. I demand the removal of these accounts immediately as the law states all information must report accurately and truthfully. This is defamation of my character and has caused my score to drop demand removal and blockage. 
remove these accounts immediately. 
I have also attached an FTC 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 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for, Again for a Pre-approval on a Property in order to be able to view, several properties, in order to be able to use an make a Consumer Credit Transaction, to purchase myself a home. After Filing a report with this agency back in, I think it was XX/XX/XXXX, Pertaining to this same agency. Bank of America, I recieved a respone letter and Call, some time after this, saying that, 'Bank of America , had, 'Pre-approved me for a Mortgage, and that I never responded. The Asociate ask me to come back in to a BOFA and reapply. I went to, XXXX XXXX XXXX, XXXX, Pa XXXX, XX/XX/XXXX. I spoke to an Asociate, by the name of, XXXX XXXX show him the response letter, showing that I I was, previously Pre-Approved, He said, that the letter doesn't mean a thing, and that bank, often send out letters like this to their customers. XXXX XXXX said he Could Not assist me, so he put me in touch with, XXXX. XXXX XXXX, in the mortgage department. XXXX XXXX said, he Could Not assist me, said my, 'credit score, is to low for the bank to assist me in getting a Pre-approval, I told him, that it is against, Federal Law to deny me an, 'Extension of Credit ' he told me, I am Not denying you, I am simply stating BOFA, Policy, because of this, he refuse give an Pre-approval. I completed the mortgage application, anyway, spoke with, XXXX XXXX on the phone, XX/XX/XXXX she told me my credit score is to low, for BOFA policy, and that she was Unable to assist me, with an Extension of my Consumer Credit.

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 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a capital one secure credit card in XXXX of last year. Ive maintained the card perfectly and since increased my credit score significantly. Capital one and other credit card companies are now sending me offers daily to open new cards. My issue is that capital one has not upgraded my secure card to unsecured ( thereby releasing my {$1000.00} ) but they are sending me offers for new credit lines. If Im able to open a traditional unsecured card through their company I should be able to unsecured my card without having to close the account and hurt my credit score. I asked the company the process on in securing the card and there are no set review periods or metrics or ways to request a review. I find this to be a deliberate attempt to hold onto peoples funds for longer than is needed. This should be criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

XXXX - did not record or has no record of this account Experian - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found XXXX - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: RAYMOND JAMES BANK
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXXXXXX XXXX XXXXXXXX to Raymond James Bank. During this process something went terribly wrong. XXXXXXXX XXXX XXXXXXXX sent me a letter than my loan transferred on XX/XX/XXXX, but Raymond James Bank says it transferred XX/XX/XXXX. Both banks insist that they are correct and WILL NOT TALK WITH EACH OTHER no matter how many times I have been on the phone with them since the middle of XXXX. I didn't want to pay twice in XXXX but I couldn't get this cleared up and Raymond James Bank said they would send me to collections so I paid both banks for my home loan in XX/XX/2022, thinking I would be able to get this worked out. I have now spent over XXXX hours on the phone between the banks but can not get resolution. Raymond James says XXXXXXXX XXXX XXXX needs to pay me back, XXXXXXXX XXXX XXXXXXXX says they transferred my XXXX payment to Raymond James in the loan transfer and Raymond James needs to address me paying them in XXXX and getting my XXXX payment from XXXXXXXX XXXX XXXXXXXX. Raymond James Bank says no way, they never received this payment, I need to talk to XXXXXXXX XXXX XXXX XXXX  says, it was transferred with the full lone, Raymond James just isn't seeing my XXXX payment because it was not called out as a line item, it was just reflected in the loan during transfer. I shouldn't have two pay two banks for one loan in XXXX and I didn't ask for my load to be transfer and all these problems. Both banks state their loan transfer date is correct, and the other bank needs to refund my funds for XXXX. The banks WILL NOT TALK TO EACH OTHER, it is their policy. Thus, even though I have submitted bank documents, letters of loan transfer, they are not willing to help me and get my XXXX double payment back. I have been trying to work with these banks for 4.5 months now calling weekly but can not get help. When looking at my documents, I paid Raymond James for the XXXX payment on XX/XX/2022, this is not the XXXX payment ( they like to say that ), the XXXX payment was paid on XX/XX/XXXX. I paid XXXX for the same loan in XXXX on XX/XX/XXXX. 2022.

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 monetary relief
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Transunion said investigation complete. Was unable to access any alleged completed report. 
Reported same information to XXXX, a Transunion affiliate. Company did not acknowledge correction either. 
Credit scores are incorrectly calculated based on incorrect verified errors on 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 non-monetary relief
Consumer complaint received 2022-12-11
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
payment made XX/XX/2021 {$310.00} to XXXX XXXX XXXX directly after calling Conserve who said to pay XXXX directly and the collections would be remedied. Conserve then hit by credit and refused to remove themselves from my credit report stating I was delinquent still. Despite having paid XXXX XXXX XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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:
I recently viewed my credit report and found that, they are numerous accounts ; that were not authorized by me. This is affecting me, in buy my first house for my family.

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 2022-12-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have informed EXPERIAN of errors reporting on my credit report. EXPERIAN continues to report these accounts after having information on the inaccuracies. This is defaming to my character.

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 2023-06-08
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had vision coverage for eye exams for over a decade. I went to my local optician, XXXX XXXX XXXX XXXX ( Now known as XXXX XXXX ) in 2020, and they mis-billed my eye exam. I have received statements from them and called them directly and they said they would take care of it. For years I have been trying to get this resolved as they are asking for {$260.00} for a simple eye exam that should've been covered 100 % with my plan. I have countless notes and phone calls between them and XXXX XXXX XXXX out of XXXX XXXX, MI. I even have a voicemail from XX/XX/2020 from XXXX, customer representative, saying my balance has been taken care of. However, I continue to receive phone calls from AmeriCollect regarding this debt owed and I refuse to pay it when I had eye care coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/2022, I submitted a dispute letter to Transunion via USPS mail. 
On XX/XX/2022 I submitted a complaint about Transunion via CFPB. 
This will be the 3rd time that I am reporting this violation of the law.

Transunions negligence is causing me harm, since it has affected my ability to get approved for a home and a car. Transunion must respond to prevent my pursuing my legal rights under 15 USC 1681N or 1781X which requires Transunions compliance to the law. 

In accordance with the Fair Credit Reporting Act, The list of accounts below has VIOLATED my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 15 USC 1681 section 602 A, States 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any prFost

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-09-21
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. This is ground for removal. They also stated XXXX account was deleted and it reported XXXX different times after they reported it deleted. They violated my rights. 


15 USC 1681 SECTION 602 I have a right to PRIVACY.

15 U.S.C 1681 SECTION 604 It also states a consumer reporting agency can not furnish a account WITHOUT MY WRITTEN INSTRUCTIONS. 

Also the credit bureau took more then 30 days to complete my investigation.

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