BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, on XX/XX/XXXX I tried to make a payment to my credit card but Comenity bank said their had a system outage. I waited a few days and tried again, but the system was still not working. They posted a message to either call or use their " XXXX '' option, however the calls would not go through and the XXXX option continued to say my account did not exist. I have multiple accounts through Comenity bank and none of those accounts I have been able to access, pay my bills, or reach the company through the various customer service lines that are listed on my card. A couple of my cards are due now but I still have no way to make my payments. I tried yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) to pay multiple cards, to no avail. Each payment site I visited today continues to claim I can make a payment through XXXX ( I still continue to get " account does not exist '' ) and the phone lines now say to " Please call back at a later time ''. The customer service representative on XXXX continues to make false claims that you can make payments through XXXX or through the phone at present. They literally responded to someone saying that those XXXX systems were up and working before I made my last attempt. I understand that they said they would waive late payment fees UP UNTIL XX/XX/XXXX, but I am still worried about it seeing that the systems are still not operating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: IN
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:
on XX/XX/2022 I sent a letter to Experian for Method of investigation for account Bankruptcy reference number XXXX. However its been more than 30 days and Experian failed to send my investigation back. This is not making any sense. I have also contacted XXXX XXXX for verification and they stated they do not have this account on my file. I have also reached out to the court and they also responded that they do not report any information to any third parties. Where are they getting this information from? 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer I would like to know who they talked to. 

How did they complete this 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 explanation
Consumer complaint received 2022-12-02
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX, I received a phone call of a debt collection of a medical incident that occurred XX/XX/XXXX from a debt company Phoenix Financial. I agreed to pay a payment plan to complete the balance that was owed {$270.00} which was fully paid in XX/XX/XXXX. They stated that the debt will be removed from my credit report. Fast forward to XX/XX/XXXX another debt collection which was not Phoenix Financial called to collect debt from the same medicinal incident that I paid in XX/XX/XXXX. I reached out to Phoenix Financial on Monday XX/XX/XXXX to get a letter or email of proof of payment. A women on the phone stated that the email will be sent next business day. I waited and never received an email. I called back Thursday and spoke with a gentleman to see the status of my email confirmation. He stated that the XXXX on Monday never submitted a request for confirmation proof and he will have a supervisor send me one first thing Friday morning. It is now Friday evening and I still havent received any confirmation of payment of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: WI
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed 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 2023-05-23
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2022-06-08
Company: Convergent Resources, Inc.
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:
Convergent Outsourcing contacted me through a letter stating that our XXXX bill went to collection ( through them ) and would be late as of the end of XX/XX/2022. They claim I awe {$650.00} in debts. I called XXXX to find out more and my name and account number that the letter gave me wasn't in the system. 
The account number that was given was # XXXX This is now on my credit report and is effecting my credit score in a negative way. 
Covergent Outsourcing address and phone number .... 
XXXX XXXX XXXX XXXX XXXX, WA 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 2022-08-22
Company: DISCOVER BANK
State: MO
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:
This account is not mine. I never own this account. I'm not liable for this account. This is wrong and offensive to me! This account belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Account charged {$400.00} on XX/XX/07 through XXXX XXXX. Money was used to purchase an item from a merchant. Merchant blocked my account and never sent the item to me so was a net loss of {$400.00} with no item received. Claim made with wells fargo and was denied with no reason as to why the claim was denied. 
I made a previous complaint with wells fargo about claims taking months to resolve, which will not allow me to close out my account with them. They still have not closed out claims and won't give me a reason as to why it won't close nor a timetable as to when it may close. I was given a claims specialist number and they won't return my calls or contact me with any updates. I want to close my account with this bank. I have been a member of their bank for almost 10 years, and I have never experienced more fraudulent charges along with terrible customer service.

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 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
My Capital One Sparks Card appears twice on my XXXX report. I only have one capital One card and the other account should be removed. This account is a duplicate and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Account No. XXXX On XX/XX/2020, A company shown as Portfolio Recov Assoc was reported to my credit report per Credit Report. I have never signed an agreement with this company, and XXXX have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: CO
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 16B1 15 USC 16B1 section 602A States I have the right to privacy 15 USC 16B1 section 604A section2 States that a consumer reporting agency can not furnish an account without my written permission or instruction to do so.

15USC 16B1.C ( AthruC section ) states no consumer reporting agency can release any adverse account information other than records of criminal convictions that are older than seven years.

15USC 16B1 section 2 ( A ) ( 1 ) States that a person shall not relay any information of a consumer to any consumer reporting agency if the said consumer know or has reasonable course to believe that any information on any credit reporting agency is inaccurate Last year my identity was stolen. 
Since that time i have been shotgunned through out colorado I have filed with XXXX and the XXXX XXXX XXXX XXXX and have reported identity theft to the XXXX consumer reporting agencys. 
I am also adding LexisNexus to this report XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX consumer number XXXX case number XXXX XXXX has XXXX my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
Experian has violated my federal rights to privacy and equality Experian Information solutions Inc . 
XXXX has violated my federal rights to privacy and equality 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 2022-08-22
Company: Unifin Inc.
State: OH
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
XXXX XXXXXXXX XXXX XXXXXXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named UNIFIN who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX  XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}

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 explanation
Consumer complaint received 2022-09-22
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:
XXXX  DOES NOT HAVE THE LICENSING AND RIGHTS TO COLLECT ANY AND ALL DEBTS IN THE STATE OF FLORIDA WHERE I LIVE THEY ARE REPORTING FRAUDULENT INFORMATION AND HAS DAMAGED MY LIVELIHOOD AND MY CREDIBILITY I WISH AND SEEK REMEDY FROM THIS COMPANY FOR MAJOR VIOLATIONS AND MONETARY REMEDY IF POSSIBLE WILL TAKE THIS ISSUE SERIOUS AFTER THIS COMPLIANT FOR THIS IS A SETBACK IN MY FINANCIAL AND KIDS LIVELIHOOD. 
XXXX  XXXX BUSINESS LICENSE IS NOT ONLY EXPIRED BUT IS TERMINATED AND HAS BEEN FOR MANY YEARS NOW PLEASE INVESTIGATE REPORTING AGENCY ALONG WITH TRANSUNION ENABLEMENT IN IDENTITY THEFT AND FRAUDULENT DAMAGING ACTIONS TAKING UPON ME AND MY CREDIT AND MY FINANCES. 
WILL ATTACH PROOF OF XXXX  XXXX NOT ONLYEXPIRED BUT TERMINATED LICENSING TO COLLECT IN FLORIDA I WISH/SEEK REMEDY FOR THESE DAMAGES XXXX  XXXX : TRANSUNION CONTINUES TO REPOST INCORRECT FRAUDULENT INQUIRES AND INFORMATION EVEN FRAUDULENT ADDRESSES THAT ARE NOT MINES AFTER SENDING IN IDENTITY THEFT REPORT AND POLICE REPORT : FCRA XXXX AND STILL GET ENABLEMENT OF IDENTITY THEFT AND DAMAGING MY CHARACTER AND DEFAMATION.TRANSUNION AND VIOLATING ALL MY RIGHTS : ACCOUNT NAME : XXXX  XXXX ALONG WITH ALL FRAUDULENT ON ALL REPORTING AGENCIES HARD INQUIRES TRANSUNION 6 HARD INQUIRES 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson 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. In Accordance with the Fair Credit Report Act, XXXX  XXXX # XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 6 04A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH 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 2022-08-28
Company: EQUIFAX, 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 following listed below has violated my rights. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 Section 602 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 a account without my written instructions.

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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: MO
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:
This is inaccurate! I was never been late on this account! I always pay it on time. This is a misleading information.

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 2022-09-22
Company: EQUIFAX, 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:
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 2022-07-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical Data Systems at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-09-22
Company: DISCOVER BANK
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Discover credit card balance is incorrect.

Company response to consumer: Closed with explanation