BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Experian for reporting XXXX collection accounts to my name that have been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Experian, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. That is when Experian began sending me, what I suspect, were letters to stall me and discourage me from pursuing anymore evidence or verification. At least XXXX times on XX/XX/XXXX and XX/XX/XXXX they responded to my concerns with letters claiming that I was being " suspicious '' and potentially " fraudulent '' and that they refused to process any more of my disputes. I am so confused by how a credit reporting company, who has my California drivers License, social security card, bank statements and everything else necessary to verify me can still accuse me of not being me. I have almost felt as though they wanted to pursue legal or criminal action against me! I felt threatened and now I have no where else to turn regarding some inaccuracies and false reporting. I have also filed CFPB complaints against XXXX in XXXX CA, for illegally and fraudulently reporting onto my credit file with Experian. Under FCRA guidelines I am aware that as a consumer I have rights to dispute inaccurate and invalid items and that my credit must be reported with 100 % accuracy and this is absolutely in violation of that and can not threaten me for disputing inaccurate information. I truly question the tactics Experian utilizes to verify disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regards to an account I had with Synchrony Bank/XXXX. 

I received a letter dated XX/XX/XXXX from the bank stating that I now owed an huge balance on my Synchrony Card, that had a credit limit of {$1500.00}, in the amount of over 5,600. 

On XX/XX/XXXX, the account was paid in full by a debt consolidation loan ( from XXXX XXXX XXXX XXXX ) and closed by the my credit union upon request. I received a letter in XXXX stating the account was closed. 

Fast forward to XX/XX/XXXX when I received notice that my account now had a balance of {$5600.00}. I am not sure how this is even possible on a closed account when the balance was {$0.00}. I did not make a purchase before/after the account was closed and there is no way I could afford a purchase of {$5600.00} on an account that only has a {$1000.00} credit limit. 

I attempted to contact the bank on multiple instances in XXXX, ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) to no help from the bank. They stated the debt was correct and I still owed this amount. 

I do not owe this debt, but have been paying on the debt because it is listed as derogatory on my account. I am forced in a position on this account to pay on something I do not owe.

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 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into the local branch on XX/XX/2022 to deposit a check. I specifically asked if a hold would be placed on the check and if so how long? The teller asked me to hold on a minute, she checked and said the hold would be lifted on XX/XX/2022. The teller gave me receipts with a hold date of " XX/XX/2022 '' and verbally told me the hold would be lifted on XX/XX/2022. I told her to go ahead and deposit the check. Last night I received an email from Bank of America telling me the hold would be extended to XX/XX/2022, The email stated and I quote " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. My reason for going into the bank and asking the teller about the hold time is because I know several people who have deposited checks and they are told one date by BOA and then find out later it is extended for several days. No need to call customer service, most of them are no help and can not explain why I was told one thing and the bank did another.

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 2019-05-11
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello this is my second request to LexisNexis to freeze my credit file with them Im hoping by sending this request through the cfpb they will honor this request this time in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX in early XXXX I deposited a check from my personal account with another institution ( as I have done previously between the same two institutions through the same two accounts ) for {$9000.00}. directly into Truist ATM to my personal account. On XXXX XXXX XXXX Bank showed the check as process and debited my account. Truist has refused to release over {$3000.00} of the deposit until XXXX. I have been banking with Truist for years, never have had a bounced or NSF check. I called their online help, told nothing they could do to release funds ( even with over {$5000.00} in my business account there ), I spoke to a supervisor and was told nothing would be done as it was a decision of 'the bank '' and that there was no one that would review the hold further. This account regularly has a few XXXX dollars a month processed through it. Never a problem.

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 2017-05-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In  XXXX   2017 , I se nt Midland Funding a letter requesting validation of a debt. Per FCRA, they have 30 days to respond to my request. Midland Funding did not respond. I mailed a copy of the letter that I sent to Midland Funding, along with a copy of the return receipt, to  XXXX  asking them to delete the negative account because the collection agency DID NOT respond to my request by sending validation of the debt.. Two days ago, I received a new copy of my credit report from  XXXX  saying the debt was verified. Verified and validation are two different things. Secondly ;   XXXX    ignored the fact that I informed them that Midland Funding violated the FCRA law that required them to respond to me within 30 days. After such violation, the credit bureau is required to delete the debt. The credit bureau is required by law to have substantial validation of the debt in their possession as well. At this point ; Midland Funding and   XXXX   are viola ting the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 2018-01-23
Company: JPMORGAN CHASE & CO.
State: VA
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:
My XX/XX/XXXX statement showed a number of charges that I immediately recognized as fraudulent, in the amount of approximately {$23000.00}. I called the company to report these. The first person I spoke to acknowledged that the charges were likely fraudulent, however, subsequent conversations ( particularly on XX/XX/XXXX and XX/XX/XXXX ) made it clear that the company had decided to hold me accountable for the charges even though I was disputing them, denying that any of the out-of-state purchases had been made by me or anyone I had authorized. My XX/XX/XXXX statement still shows these fraudulent charges, as well as a late fee for non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every time I deposit my payroll check which I have been doing for over 2 years it gets withhold and they claim is due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am still having problems with XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help

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 2016-01-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: HI
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 this XXXX XXXX XXXX account being reported inaccurately on my credit report and demanded that it be investigated for the errors that I have found and after sending my first dispute letter to all 3 credit bureaus only XXXX has removed it from my credit report however it has not been corrected or removed by Experian or XXXX after approximately 60 days of disputing and as per the FCRA this account must be removed immediately for all the errors and violations. 
Inaccurate information being reported is as follows : a ) high credit limit- inaccurate b ) credit limit -inaccurate c ) dates last reported -inaccurate d ) date last active -inaccurate e ) date of last payment - inaccurate f ) payment status inaccurate on these dates XX/XX/2021, XXXX 2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 and this is a direct violation of the FCRA.

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 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I paid my fee for XXXX XXXX XXXX Subscription and the software would not download. I already had a legalcopy of the softwarte on my machine and the XXXX would not download. I contacted support and they had canceled the subscription, but there is no redund back to the account and I did contact the merchant. So now I do not have XXXX Software on mu machine because it has to be removed during trouble shooting and now if I want to use iot I have to access through an old alumni account at XXXX Online. Which is completely ok and legit.
Please refund XXXX to my Bank of America Account.
Subscription : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY 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 2017-03-14
Company: ORG GC GP Buyer, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Collection agent called, attempted to gather information multiple times and refused to identify herself or the purpose of the call when asked multiple times. Finally gave her name and company after the third time I asked, but never informed me of the purpose of the call. When I informed her that I am aware of the requirements to identify herself, the purpose and inform me of the call being recorded she hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank 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 2016-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to 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 2022-08-16
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 XXXX  Account # 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 2019-11-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collector name is ERC. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I called their number and spoke to XXXX at XXXX and she said after trying to verify me by telling me the debt was incurred by someone living at an address that did not match mine where the attached dunning bill was sent, that I should file a police report of fraud which is what I am doing I think. Then go to XXXX to let them know this debt is not mine. Hope that is what I should be doing. 
I have a XXXX phone but it is in the name of my company and XXXX says we are totally up to date for payments. I have not had a personal XXXX account since XXXX and this supposedly was incurred in XXXX according to XXXX at ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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, 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 2020-03-18
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
William and Fudge incorporated has been calling me relentlessly ( every day ) for over 4 months and is now trying to contact my family. They have called my mom, who was on the loan with me and has spoken with them ( they began calling her before I permitted collectors to talk with her about my debt owed ) and have now contacted my uncle. My uncle lives in another state and is not tied to me financially or by name. My family and I feel unjustly harassed while we are already dealing with the stress of managing this debt. I am an XXXX member with student loan differment and have very few options for financial repayment, and my family members who are in no way tied to me, my loans, or my debt are being accosted by a hostile collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

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