BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
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 reached out to the Bureaus on XX/XX/XXXX regarding the XXXX XXXX XXXX. This item is outdated and needs to be removed from my credit profile. According to the FCRA negative and closed accounts can remain on a credit report 7 years after the date of the first delinquency. According to my records this account became delinquent XX/XX/XXXX it is now XX/XX/XXXX this account is outdated and needs to be removed from my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Experian, XXXX, and XXXX all have guidelines that they must follow according to the FCRA. I have also reached out directly to the original Creditor about this matter. I understand that mistakes can happen but I expect each Bureau to make this right. Removed this outdated account from my profile. I am in the market for a new home and my credit report is important to me. I expect each Bureau to remove this outdated account from my credit profile IMMEDIATLEY!

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 2022-09-27
Company: Designed Receivable Solutions, Inc.
State: AL
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:
DESIGNED RECEIVABLE SO XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This account has misleading information. consider the Balance, High Credit, Last Reported, And I don't have a financial obligation on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX GLA Collections was notified via certified mail to validate a debt which is now posted to my consumer report ( XXXX XXXX XXXX ). I have mailed a debt validation letter as well as, a cease and desist and affidavit of truth. 

At the present time I am yet to receive a response to any of my request which included, account ledgers, promissory notes, or any documentary evidence of indebtedness that will show that GLA Collections is now the holder in due course. I also asked GLA to cease reporting and let the CRA 's know there is an open dispute pertaining to the validity of this account. 

As a result of the negative reporting by GLA which resulted in a decrease in my XXXX  score on my credit report. I was unable to secure a preferred tiered interest rate and other extensions of credit. Which resulted in thousands of dollars in additional interest charged to me over the course of years. 
This is personal, sensitive medical information which I did not give authorization and/or consent to release information to this third-party entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
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, I have been trying to resolve some issues with Experian in regards and misreported information on my credit report. Experian has put negative and inaccurate language on my credit report affecting the other reporting agencies as well. This has impacted my livelihood negatively and stunted my acquisition of my rights to essential living requirements such as a home, car or extention of credit to increase my quality of life. Experian has violated the Fair Credit Reporting Act and should be penalized for their actions.

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 2022-12-09
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 Account # XXXX, has violated my rights. 
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 purpose.

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 2022-09-27
Company: Paypal Holdings, Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The male PayPal customer service representative refused closing the PayPal account with it's current {$10.00} balance. He insisted that I transfer the money to a valid bank account and claimed there was an existing Bank XXXX XXXX account PayPal had in file. This immediately raised red flags because PayPal can close the account and send the remaining balance to its prepaid card or mail a check to my address if record. The male customer service agent wasted my time and insulted my intelligence with nonsense about how he did not have any authorization to close the account or transfer any funds without a verified bank account. I called his misrepresentation of the truth and facts by stating PayPal can not insist upon verifying a bank account to transfer funds and closing an account. I also demanded to know why PayPal still linked a defunct Bank XXXX XXXX account with my transaction history. I stated that PayPal deliberately kept a closed bank account information on file and wanted me to link the PayPal account to it in order to verify the bank account existed. I stated that such PayPal activity was legally irresponsible and constituted fraudulent activity. I demanded to know what type of investigation PayPal was operating in concert with Bank XXXX XXXX and if gathering information about my transactions for a pending Bank XXXX XXXX investigation were the reason PayPal refused to close the account. Afterwards I stated to the PayPal representative my intention to exercise my legal rights to find more information with respect to PayPal refusing to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: TX
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 number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: CA
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, 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 an account without my written instructions. }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX BANK XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XX/XX/2020

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 2022-09-27
Company: EQUIFAX, INC.
State: CT
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 fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy, 15usc 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instruction under 15usc 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 2022-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, Looking to express my concerns about a scam that I was recently victim too. 

This past saturday XXXX XXXX I was scammed into buying tickets that ended up not working. 

The scammers used XXXX for payment processing and it felt secure that the tickets would work. 

Unfortunately it was a complete scam, leaving me out about {$220.00} I contacted my bank ( Chase ) and they say I wouldnt be refunded, which makes no sense. 

I sent a scam alert to XXXX, still waiting to hear back. Would love to get refunded from this unfortunate event that left me stunned and a victim of this digital banking world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, my wife was called by a person purporting to be a police officer notifying her that a warrant had been issued for her arrest for failing to appear for Jury Duty. 

She was required to send XXXX payments to clear the matter. 

She did so in the amount {$3000.00} ( 2 transactions of {$1500.00} each ). Within minutes of the transactions, I contacted the local sheriff who confirmed it was a scam. 

We immediately contacted Wells Fargo Bank ( within 10 minutes of the transactions ) and they claimed they could do nothing about it.

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 2022-12-09
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir or Madam, A few years back I contacted FTC in reference to Harvard Collections I also contacted the XXXX, with both the XXXX and the FTC the issue was resolved. As it turns out this company continues to make false claims on an account that is almost three decades old and was settled along with other accounts in XXXX 
As was decided by Harvard Collections they deleted the erroneous information they put on my credit report that was previously settled and no longer in the time frame for collections. What this company has attempted to do is undermine the FTC and XXXX by creating and changing the original account number XXXX to XXXX knowing that XXXX was settled and deleted, these records being a decade 's old I no longer possess. 
In conclusion, I am seeking once again the help of the FTC with their high standards in halting this company in what one can compared to as illegal activity and misrepresentation by resubmitting accounts to XXXX and XXXX and " switching account numbers '' to reactivate decades old account, falsely. As a XXXX veteran. XXXX citizen and listed with XXXX I thank you for your previous efforts regarding this matter and hope now this can come to a conclusion. I hope this will prevent Harvard Collections from preying on veterans and XXXX citizens. The desire is that this will stop from reoccurring with my credit report involving XXXX and XXXX and appreciate any help you can give me with this dilemma. 

Sincerely, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I, natural man consumer, hereby demand to OPT OUT of negative reporting of Late payments/ transactions and experiences ( utilization ) of my nonpublic personal information pursuant to 15 U.S. Code 6802 ( b ) I demand that you Discover stop reporting late payments to credit agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other credit agencies. The only Credit Bureau is the CFPB. I have a open-credit plan and it can not me late. Remove any false or deceptive reporting immediately. You, Discover, are casing harm to me pursuant to 15 U.S. Code 6801 - Protection of nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Recently I received two generic emails from Bank of America dated XX/XX/22 at XXXX and XXXX. This email was sent to my personal email address. The email was notifying me that they were unable to open a Bank of America account ( s ) online and that I needed to come into a branch. The problem with this is that I have not applied for any type of account with Bank of America recently. I did not authorize for any Bank of America employees to attempt to open an account. Nor did I authorize anyone else to do so. I am fearful that this account/accounts that someone tried to open may be a result of identity theft from within the company. I am demanding for a thorough investigation to be obtained to get to the bottom of how my personal information was accessed, obtained and used without my permission.

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 2022-09-27
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I attempted to resolve this debt with RentDebt Automatic Collection LLC. 
I was not aware of this debt of XXXX until this week, I lived at XXXX XXXX  at XXXX XXXX in XXXX, faithfully paid my rent for 44 months without ever being late, they are stating this is the charge for not giving a 30-day notice before moving out which I believe is unfair to a women my age, although again I was not aware of this debt, in good faith I called to try and resolve this issue, making them aware of the fact that I am XXXX XXXX XXXX on fixed income with very little money to spare. I am willing, not able to settle for 50 % leaving me very little to live on but I believe in taking care of my personal issues. They are refusing to do anything more than 30 % which I am unable to afford. 

I NEED HELP with this matter ASAP. I am attempting to do the right thing. PLEASE HELP Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CONTRACT CALLERS 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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX. CONTRACT CALLERS I XXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our policy holder incurred {$57000.00} in hospital expense in XXXX. We processed her claim and she paid the provider the amount that our EOB said was " patient responsibility ''. 
XXXX XXXX utilized XXXX XXXX XXXX hospital and she was not notified that the hospital was not accepting our payment until XXXX when she received a collection notice from Revco Solutions. 
We have written to them multiple times to explain why she does not owe this and the response was to take her NC tax refund in XXXX. 
Today, i reached out to the hospital billing that sent XXXX a notice that they had taken her tax refund. She received that last week. 

A provider has a responsibility to follow up in a timely manner just as we, the payer, have a responsibility to pay things timely. 
Had they reached out, we would have negotiated and come to a reasonable payment solution. 

I have all of the documentation regarding her case and am hopeful that you can steer us in the right direction. She is no longer my policy holder, but I told her that I would help. I have no direction on where to go next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation