BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was made aware of a change to my credit report. A company by the name of MRS DPO, LLC had presented an account for collection bearing my name. That day at approx. XXXX XXXX EST I reached out to MRS. DPO where I spoke with a representative by the name of XXXX. I explained to XXXX I wasn't aware of any outstanding debt, and was not made aware by the alleged creditor and/or MRS DPO prior to any reporting. She explained they received the account on XX/XX/XXXX ( the alleged account was closed as of XX/XX/XXXX ), the account was sold and serviced by another collection agency around XX/XX/XXXX. Again, I explained I had no knowledge of the debt and per 15 USC 1692g I should've been provided with the opportunity to validate the debt. XXXX advised they sent me an email on XX/XX/XXXX, which perhaps may have gone to my junk mail. Outside of that being a ridiculous mode of contact, seeing as they're a third party debt collector, with no first-hand knowledge of any alleged accountit still doesn't absolve MRS DPO, per the FDCPA, to provide me with written statement affording me the opportunity to validate the alleged debt. After a bit of digging I was able to locate an email ( the only email ) I have from MRS DPO, which contains absolutely no information and any prudent, reasonable person would deem the email as a scam. This email contains no information that would indicate that MRS DPO is a legitimate company. The notice contains only my name an some verbiage about how I owe an alleged debt. The email doesn't have an original creditor, an amount owed, an account number, etc. I find in grossly irresponsible to merely report an account to the credit bureaus with no first-hand knowledge of any consumer interaction between myself and the alleged creditor. I reached out to their compliance department via email on XX/XX/XXXX with no response. I followed up today, via phone. I spoke with a manager, XXXX, she pretended as she was unable to hear and proceeded to disconnect the call. A quick XXXX review will provide some insight into how this company operates. I want this account removed from credit report ( s ) immediately. In addition, I will pursue remedy to the limits provided to me pursuant to the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: GA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase of a XXXX XXXX XXXX from Best Buy XXXX $ is the total. They shipped it via XXXX XXXX in the original packaging according to them. Tracking showed that XXXX XXXX delivered said package. We waited a few days to ensure proper delivery. The package was never nor did we ever receive package. Best Buy denied refund due to tracking. Citibank failed to process a chargeback or use our information for a dispute.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone opened a credit card with XXXX  XXXX with my social security. I have a hard inquiry on my credit without my oermission

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 2020-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I immediately identified fraud on my account, specifically that someone had spent XXXX at XXXX 's in XXXX. I mistakenly thought I had my card with me, but I did not and had lost it. I marked on the form that I had my card with me. They denied my claim as a result. I also realized later that a charge from XXXX, a grocery store, for XXXX, was also a fraudulent charge. My claim was denied and they are charging me for both even though this was a crime.

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 monetary relief
Consumer complaint received 2020-07-31
Company: BANNER CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I XXXX XXXX mailed a deposit from outgoing mailbox @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to Banner Bank XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX. 
When it didn't show in account I called Banner Bank on XX/XX/2020 & talked to XXXX on phone, who is a teller. 
She said they had not received it yet, might be a mail delivery issue. 
It's XX/XX/2020 & still no check delivered to the same town.Usually takes 1 day. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and 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 2023-06-16
Company: Experian Information Solutions Inc.
State: AL
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 asked the credit bueros to do a verification on my credit report and they stated they did and everything was accurate. I also did thorough research as well and found improper inaccuracies on my credit report even after they did their verification and stated everything was accurate. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, these companies have violated my rights. 
15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1691 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 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account # 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 2023-08-18
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 Section 604A, Section 2 : This section further states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Below is a list of unauthorized inquiries made on my credit file XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2020-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor Name = XXXX XXXX  XXXX XXXX - {$160.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX - {$430.00} XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX - {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX  bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX Credit Coll Account number : XXXX XXXX Credit Coll Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : 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 a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NV
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:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent a dispute to the XXXX credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive Ask XXXX, Experian and XXXX to delete all my old addresses and phone # and to update my information and they didnt 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 2023-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 2021-07-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm made an agreement with IC Systems to settle an account. I spoke with three different people and all assured me on a recorded line that the collection would be removed from my credit report within 30-45 days of the account being settled. I made The last payment on XX/XX/XXXX, on XX/XX/XXXX, IC Systems closed the account which now shows as " Settled-less than full balance ''. I have the names of the three individuals that I spoke with written down at home but I can remember one name off the top of my head, XXXX XXXX. I feel that I was like to and give him false promises to collect this amount.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and XXXX XXXX says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.

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 2022-12-30
Company: EQUIFAX, INC.
State: DC
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CAINE & WEINER COMPANY, INC.
State: WI
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 have never had a contract or done business with Caine & Weiner but through XXXX XXXX I recently viewed my credit reports, and they have an account listed as collection of {$120.00}. It states the collections is from XXXX XXXX which I have not had a policy with in many years. That auto policy was canceled by myself due to finding a cheaper rate with another agency, after the balance was paid. I have requested a dispute with XXXX, XXXX and XXXX. Ive also requested a complete debt validation from Caine & Weiner, but have not received a response. However, their last negative reporting on my credit report was XX/XX/2021 but the collections account still REMAINS on my credit report. It seems this is a FCRA violation and I am seeking legal assistance to resolve this matter.

Company response to consumer: Closed with explanation