BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: IL
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 urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2018-02-12
Company: Asset Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX ( sp ) called me at XXXX with the threat that this would sent to a legal team if I did not call him back by XXXX. I have never received any letter about this debt I need information not threatening calls which violates my rights. XXXX XXXX was very hostile towards me on this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: AR
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 am sending my CFPB Complaint to inform you that the XXXX credit bureaus had violated the FCRA XXXXection 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX XXXX  XXXX Balance : {$30000.00}.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: NC
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 investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$420.00}

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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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:
I submitted a dispute to Experian regarding my student loan balance. I have received student loan forgiveness and I submitted proof of forgiveness to Experian. Experian has refused to remove the student loan balance from my credit report. Furthermore, Experian is showing my servicer as XXXX. They have not been my servicer since XX/XX/2023. My servicer switched to XXXX in XX/XX/2023.

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 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I noticed a {$57.00} charge on my Amex Gold Card bill labeled as an interest charge for Pay Over Time Purchases. Since I have not created a Pay Over Time purchase plan since the year XXXX ( and that plan was long since paid in full ), I knew this was a mistake, so I called customer service to dispute the charge. 

It turns out that, in XX/XX/XXXX, Amex automatically enrolled all Gold ( and Green and Platinum ) cardholders in the POT  program. The customer service rep told me that they had activated our POT  and set it for " all eligible purchases over {$0.00}. '' She said Amex must have sent us an email notification of the change ; if they did, we did not receive it or see it. 

Digging deeper, I found that my account has actually been charged {$780.00} in POT interest charges since XX/XX/XXXX, for POT charges I was unaware of. 

We have always intended to pay our account balance in full each month, and thought we were. This is why we have Amex, to avoid the high interest rates of other credit cards. Yes, there is always a discrepancy in the current statement balance and the total statement balancewhat is owed on the current statement vs that balance + the most recent charges. I did not realize that POT charges were accruing in that total balance bucket. There is not one single tab or button or link anywhere on my account manager dashboard that points to Pay Over Time charges or settings. The words Pay Over Time exist nowhere in the dashboard, not even in the Payments section. 

Today ( XXXX XXXX, XXXX ) when I became aware of the issue, I entered Pay Over Time into the search bar on Amex 's site via my dashboard and finally got a link to Manage My POT Settings. I clicked this, and got an error screen : " Pay Over Time is currently not available. '' There is no option to see anything to do with POT charges on my account nor to deactivate it or to manage any settings whatsoever. 

I requested a full refund from Amex. The customer service agent refunded the last two charges over 60 days and deactivated POT on our account. She said they would open an investigation to review the account and see about refunding the charges, however i am skeptical I will hear anything. I want this to be on the record. I want Amex to be accountable for what is obviously an opaque and misleading billing practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt reported by AFNI for XXXX was already disputed and removed on other reports. They are now trying to put this back on my credit report which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My complaint is related to the general, vague and subjective verbiage of this wording in the promissory note. 'Any origination fee amount in excess of 5 % is refundable on a prorated basis over the term of the loan when and if the loan is paid in full prior to its maturity date. ' I paid a 6 % origination fee and have paid the loan off almost 50 months early. I have called several times as well as sent several email communications to inquire about how the origination fee refund is calculated. I read the promissory note several times as well as looked on their website for specifics into how the origination fee refund is calculated. The verbiage is too vague, general and subjective. No one I have talked to can tell me how they calculate the origination refund. It is rather disappointing that representatives would not know how to explain what should be an easy calculation when it is referenced in the promissory note. I just want a clear understanding of how the refund amount is determined. Is it the difference between 5 % and 6 % prorated or is it the full 6 % prorated and what is the prorated formula?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

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 2019-07-03
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:
I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the 3 different credit bureaus. Twice XXXX XXXX XXXX XXXX ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX, upon my disputes in XXXX and XX/XX/XXXX, XXXX has marked my credit report with a payment status for XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.

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 2023-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
On XX/XX/2023 I requested Portfolio Recovery Associates to provide validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay. On XX/XX/2023, they responded with a statement, which is not what I requested. A statement isn't the same as a evidence bearing my signature. Therefore, I sent a follow up letter on XX/XX/2023 requesting a signature to verify that this account belongs to me. 

Therefore, Portfolio Recovery Associates is in violation of the following. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: SC
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 my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 2023-07-01
Company: Experian Information Solutions Inc.
State: HI
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:
Experian has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use Experian and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 rights to privacy.

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

15 U.S.C 1681 c. ( 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 with 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 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: NC
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; 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 2019-01-27
Company: Child Support Recovery Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection from XXXX, XXXX XXXX was placed on my credit report XX/XX/2013 for the amount of {$320.00}. I disputed the collection because I did not owe a debt or ended the original contract. This collection was a bill from a daycare my daughter attended for preschool. A situation occurred between the teacher and my child 's father, which I was not in a relationship with but shared custody and during his visits he would drop her to school which was required by the custody order that was placed. When I went to the school to pick up my daughter the director XXXX appoarch me for a mandatory meeting. She explained that there was a sitution between my childs teacher and her dad and he threaten the teacher and for the teacher and other staffs safety that I have to take my daughter out of the daycare immediately. The director informed me that she consulted the daycare attorney and that was the best solution they could come up with. The school voided my contract and did not reimburse me for the money for pulling my daughter out of school during the week nor gave me time to find a daycare to transition her. Then the daycare place a collection on my credit and I did not even receive a bill or letter about this debt. I never ended the contract the daycare did and they are responsible for voided my contract without notice.

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