BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: NM
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:
Hello, I sent XXXX, Experian, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information 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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2020-05-23
Company: Experian Information Solutions Inc.
State: IL
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 sent out letters requesting an investigation and validation of debts on my report last month.

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 2018-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2022-12-29
Company: Experian Information Solutions 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:
For the last several years i have spent over 400 hours, sent dozens of letters and made dozens of phone calls to this Credit Reporting Agency regarding fraudulent, inaccurate information, other illegal information added to my report, a willful lack of investigation with regards to my disputes, not honoring my request/demand to Opt-Out from their reporting, a refusal to take all inaccurate, fraudulent and illegal information off my report. 

All this in violation of 15 USC 1681B ( A ) ( 2 ), 15 USC 1681A ( 2 ) ( A ) ( i ) & 15 USC 1681A ( 2 ) ( B ).

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 2019-10-03
Company: Collections Acquisition Company, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, my wallet was unfortunately stolen. I promptly called my creditors and had them cancel my debt cards. On XX/XX/XXXX, I received a piece of mail notifying me that a check under my identity had bounced. This came at a complete shock to me as I have never ordered checks from my bank. To be quite frank, I barley know how to write a check. On XX/XX/XXXX, I went to my local police station to file an identity theft case. The police officers advised me to call my creditors and freeze all my accounts due to the circumstances. From XX/XX/XXXX, I continuously received mail regarding NSF checks and collection notifications. I personally called each of these debt collectors and provided them with my case number. I also made a copy of each piece of mail I received and emailed that to a detective that was assigned to my case. 

A women was arrested earlier this year ( XX/XX/XXXX ) and had my licence, as well as many others, in her possession. She was put into a drug program and later missed her court date and is currently on the run. 

This women wrote approx 16 checks ( that i know of ) in my name totaling about {$3700.00}. That is not including all the added fees for the check bouncing in the first place. 

I am now in a place in my life where I am trying to buy a house with my boyfriend and its so crushing to know that something I had no part in is effecting us so greatly. I could not even get a loan for a car right now if I needed to do so and its very frustrating to be going through this at XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: AZ
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the account. XXXX - XXXX XXXX XXXXXXXX Balance : {$0.00} If Experian and XXXX feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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:
I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File. On XX/XX/XXXX, I also sent a dispute letter to the credit bureaus asking them to delete the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1500.00} ; that are UNKNOWN to me. The Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) requires the credit reporting agencies to delete all accounts and information no later than four business days following XX/XX/XXXX, according to the statute that I just learned about. This is something I've already mentioned in my complaints # XXXX, # XXXX, and # XXXX and is something I'm mentioning once more. If the Credit Bureaus assert that the disputed things belong to me, kindly send me copies of any documentation that establish my ownership of the disputed items or that include my signature. The items in my credit file should be immediately removed if I don't receive them.

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 2023-10-11
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage said I had to recertify my income before it was necessary. They said I needed to recertify by XX/XX/XXXX but according to information from the Federal Student Aid Website the earliest that I would need to recertify is XX/XX/XXXX. This in turn will cost me about {$2500.00} in payment that I did not need to pay. Additionally, information on their website should be factually correct instead of deceptive in nature. Please see the attached documents for the conflicting information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I've noticed a few inquiries in my report that i did not recognize or apply for and I contacted Transunion about the situation and they have failed to provide proof or remove them from my 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2023, I was notified by the company Transunion that They have received my information and my dispute letter. Still, unfortunately, they could not investigate it since they think I did not correctly authorize it and they think it was by a credit repair company. 
I've been dealing with this same XXXX  issue with Transunion for months, I'm starting to get frustrated and annoyed because I now feel like my rights as a consumer are being played with me. How is it within my rights to be able to challenge anything that I feel is inaccurate but every time i send a letter I got the same response back???? 

Please advise and help me fix this 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and was approved for a Pay Pal Cashback World Master Card account which claimed to have a rewards program whereby I could redeem the rewards to the account for a statement credit. XXXX phone representatives, XXXX and XXXX, have given me conflicting information. XXXX said I have to transfer the reward to my wallet, then call back and ask customer service to transfer the rewards to my account. Only after I kept insisting on speaking to a supervisor, did he check with a " specialist '' and said I can redeem rewards to my wallet, then transfer to my cashback account. He assured me that was the correct procedure, but when I tried to redeem that way, there is no choice to add rewards to my wallet. There are only XXXX choices to redeem : send to my checking account, transfer funds internationally, or send me a check. I called customer service again, and XXXX said I can transfer the money to my stand alone PayPal account, which automatically puts the rewards in my wallet, but I can't transfer the rewards back to my cashback master card. I have other credit cards with rewards that I can automatically redeem as a statement credit, so this process for redeeming rewards on my PayPal Cashback World Master Card seems unnecessarily convoluted. Please advise why I can't apply the rewards earned to this credit card as a statement 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 2019-08-30
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Well it certainly would have been nice to get a response long before now from XXXX XXXX. It would have alleviated a lot of undue stress that I didn't need to have. Received a response finally from XXXX -- I was attempting to tell you that something was amiss on your end. I just got the same info I already knew recited back to me. It always boils down to something I did, not that something may have gone wrong on your end. 
I was never notified that the account was going to charge off. You recite dates like I should have known all of this already. That is something that you say this new attorney got the account on XX/XX/XXXX when I didn't receive the note from XXXX XXXX XXXX until XX/XX/XXXX ( dated ), and I didn't receive the letter from THEM until XX/XX/XXXX ( dated XX/XX/XXXX ). You have to understand how confusing all of this is for an average person, this is not my life ( unlike yours ). It sure would have been nice on your end to clue me in before now. 
Apparently the note from YOUR attorney XXXX XXXX XXXX is not going to be honored. Seems extremely deceptive to me since they are apparently lawyers. They told me the issue was closed. I believed them since they were lawyers YOU hired. Seems deceptive and unfair. Can't believe ANYTHING that comes from your end. You don't honor anything, even letters that come from your OWN lawyer. I was tricked and deceived. 
I have been treated extremely unfair by your company. I am sick of the stress.About the checks you refused, I sent you a copy of the checks front and back in the complaint I sent. Did you not even bother to look at the attachments? So anxious to tell me NO on everything that you didn't read everything? Also sounds unfair. 
Like I said, I have no job, am unable to get a job, and have no money. This attorney you hired deceptively got me into a Payment Plan that I can not do or afford. I want to start paying on this, so since YOU hired them could you PLEASE tell them to stop the payment plan and I would like to set up one with you. Please call off them. I am fearing for my life with them sending me threatening letters and I want them out of my life. Can I please just set up a payment plan with you and could you drop the lawyer? Since I have XXXX income ( and XXXX XXXX has already zapped every XXXX of my savings ) I would like to do {$150.00} or more per month starting XX/XX/2020, and due on the XXXX until it is paid off. Please I can not afford what that lawyer intimidated me into. Please email me back, and please give me a prompter response than this time? Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am submitting this CFPB complaint to request that you remove the fraudulent Accounts and information I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that you should remove : XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

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