BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
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:
I've been trying to rectify erroneous information on my credit report through Experian for the date below for quite some time now. Each and every time I dispute the information below, Experian returns a result of " verified ''. The information is incorrect and most recently, I reached out to Experian for the specific methods used to investigate my dispute and the response was the same. This erroneous data below does not belong on my credit report and Experian is not following the CFPB Guidelines for investigating a dispute. Experian has not provided the requested information regardless of my specific ask as to how this information was verified. Below is the letter I sent to Experian 's attention by Certified Mail. The receipt is attached. Thank you for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : Account previously in dispute - investigation complete, reported by data furnisher XX/XX/2023 to XXXX XXXX XX/XX/2023 Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX DT XXXX XXXX  XXXX The account mentioned above was recently disputed due to the inaccurate information it contains. Experian returned the dispute as a Verified Status. 
Please provide the requested information below according to the Consumer Financial Protection Bureau. 

ALL information in my Consumer File along with all applicable data regarding the dispute listed above. 
Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in my Consumer file at the time of the request The name of the person who investigated the dispute XXXX XXXX XXXX The methods that were used to verify the disputed information XXXX XXXX XXXX The results of the investigation XXXX XXXX XXXX Sincerely, 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 2022-06-01
Company: Elevate Recoveries, LLC
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX, hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : Account number : XXXX Elevate recoveries llc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: CA
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:
To Whom it may concern i did authorize any of the companies listed to run my credit i do not know of any of these companies.

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 2022-06-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dark web inquiries on SSN with old address and very old phone number.

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 2023-12-20
Company: Experian Information Solutions Inc.
State: CO
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:
Experian continues to list an account on my credit report that is from identity theft and fraudulent activity, in violation of 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 2022-11-30
Company: EQUIFAX, INC.
State: OK
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:
I am a natural person, i am a living human being I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times I demand the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following iters of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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. 
Accounts XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: Experian Information Solutions Inc.
State: FL
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:
some one stole my identity and i reported to the credit agencies and they did not reply

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 2023-01-05
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section state 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 7 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 responsible cause to believe that the information is Inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-06-01
Company: EQUIFAX, INC.
State: MI
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:
Equifax investigated a fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. 

A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I called back later and was told that the account could be removed with a letter from the lender only now since it was put back on my credit after an investigation removed it. I asked why it was put back on my credit and the representative replied because the lender sent a monthly update and they put it back on my credit. I inquired whether or not this was an internal policy or a requirement of the Fair Credit Reporting Act. I was told by an Equifax representative that Equifax makes its own policies on how it handles fraudulent accounts and disputes. Equifax is now going beyond the 30 days required in an investigation process for a fraudulent account investigation and intentionally causing me harm by reporting an account they previously investigated, determined fraudulent and removed. This is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt happened why I was XXXX  and asking for debts to be removed.m

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 2023-08-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On sunday XX/XX/XXXX I purchased equipment from XXXX XXXX I wrote hi a check for XXXX made out to cash. That evening his mother attempted to deposit it via mobile deposit. On Monday around XXXX XXXX XXXX up to my business saying the check was bad. So we both went to the bank, we approached the teller together, he explained the check did not deposit, the teller said it was due to it being made out to cash. I asked the teller if the check was voided- she said the check was voided, she also printed off a screen shot of my account and showed me where the check was pending, but would not settle in his account. Therefore I wrote XXXX a second XXXX check, which was cashed on the spot. A day later the initial check # XXXX was withdrawn from my account- I immediately disputed the charge- and the bank told me it was my responsibility to recover the funds from XXXX. Both the teller that submitted the dispute ( different from the teller that assured me the check was voided ) and the branch manger XXXX XXXX agreed the teller was at XXXX but both through their hands in the air. I have contacted my local sheriff 's office to begin a formal investigation process. I have banked with chase for XXXX years, both personal and business ; it baffles me how they have handled this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COLLECTOR ONCE AGAIN VIOLATED THE F.C.R.A. FDCPA AND TCPA FOR 11 CLASS ACTION MEMBERS. DELETE ALL FROM XXXX XXXX AND XXXX CREDIT REPORTA.

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 2023-12-15
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of Care Credit Synchrony. I will be filing a suit against Care Credit Synchrony for willful and negligent 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 2022-08-12
Company: Experian Information Solutions Inc.
State: NY
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:
There seems to be an error on my consumer report furnished by ( Experian ). On my consumer report, there are late payments reported which is causing damage to me as a consumer and limiting my ability to extend credit. I allege that ( Experian ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( Experian ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( Experian ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2019-08-04
Company: Franklin Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is regarding XXXX and the " newest '' collection agency that they're using-4th one in almost 3 years. The name of the newest one is The Collection Firm of Franklin Collection Service , Inc. in XXXX, MS XXXX XXXX has a known habit in disposing of one collection agency and moving on to another when they don't get their way. This one, however has offered a {$74.00} " discount '' if I pay the bill-they state that I owe {$240.00} which is false. 

I returned equipment at my expense XX/XX/XXXX and was informed that I would have to pay an early cancellation fee which at the time was {$350.00} yet when I moved from one home to another " in the same area '' I was told that no fees are applicable which I knew as it was just a transfer of service. 

After this they decided to implement the above fee but it was changed to {$480.00} and the total they were trying to obtain was {$650.00} which I knew was wrong but ... .they even tried to bill my credit card for {$650.00} XX/XX/XXXX without my permission but luckily the bank denied it. 

I've paid them {$410.00} as of XX/XX/XXXX and they owe me money for falsely adding premium channels at {$53.00} a month which I never authorized or ordered-they did this automatically. 

They're determined to get {$650.00} and at this point I'm realizing that no one will ever assist us people who have been ripped off by XXXX, they're not on this site either-they have too much power and every day I pray for someone, anyone to bring them down once and for all. 

This problem should have been resolved a long time ago and I should have received a refund from them but I haven't and now another collection agency has contacted me asking for {$240.00} and {$170.00} if I accept the discount. 

Again, I paid them {$410.00} which is over the {$350.00} early cancellation fee AND again, they added those premium channel fees at {$53.00} a month. 

I wrote to them so many times, to various addresses that they use. They continue calling me as well from various area codes. They have NEVER replied to my correspondence and I have finally stopped writing to XXXX. 

Thank you for your time and please help us from this deceptive, lying company once and for all. There are so many others in the same situation as us. 

Thank you.

Company response to consumer: Closed with explanation