BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-05-24
Company: Zions Debt Holdings
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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 am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my report to this day over 45 days later I have not recieved a response yet. I did my research I know that the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately delete or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, i tried and did contact recently the finance company ( XXXX XXXX ) regarding late payments reported over XXXX years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of seven months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXXXXXX XXXXXXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted capital XXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.

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 2022-05-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX. 

I have made several attempts to resolve this issue by sending letters by XXXX XXXX to XXXX XXXX XXXX and letters to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2021-06-27
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I log into to view my credit report monthly as I've been trying to keep up to date and ensure nothing goes wrong and especially since I've been a victim of identity theft several times in the past couple years, so I recently logged in today to view my XXXX  report and there I see a collection from Paul Michael Marketing for an account I wasn't aware of or made. I never received a call or even a letter basically any form of communication regarding this fraudulent account which was still regardless reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: RI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/2011 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$7000.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7000.00}

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 2021-10-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Experian credit report ceased updating online when I requested for old mailing addresses to be deleted, except my current address. But they deleted my current address too. Without any addresses associated with my credit report, the information will not update past XX/XX/2020 on their Experian website, which is the last date there was an actual mailing address associated with my credit report. I have tried over and over again to call and get the problem fixed, and even uploaded address verification documents several times, but with each phone call and dispute initiated, my credit report still remains missing the mailing address. Their representatives tell me that they added my address and then send my dispute resolutions. When I get the updated dispute, it still shows no mailing address associated with my credit report, which is what is causing my score to not update on their website. I have explained to Experian representatives several times that I have reported this same issue several times for over a year with still no resolution.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.

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 2021-06-28
Company: Experian Information Solutions Inc.
State: NV
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:
The following accounts that the 3 major credit reporting agencies are reporting has no factual relevance to me or my credit files. These accounts are fraudulent and has been mis reported on my file every since my identity has been compromised. I'm demanding that these accounts be removed immediately from my files. 

1. XXXX XXXX XXXX XXXX # XXXX 2. 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 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am receiving state XXXX payments from California onto a Bank of America XXXX XXXX. I insisted a transfer to my Bank of America checking account on XX/XX/XXXX for {$3200.00}. The money instantly showed transferred from the debit card and as of today XX/XX/XXXX, the funds are still not in my Bank of America checking account. 

Bank of America to Bank of America transfers should be instant, yet my funds are nowhere to be found. I spoke with a representative yesterday for XXXX minutes who was not able to resolve the issue. I am on the phone today and again getting nowhere, they are saying it is a government issued card and they dont know why the funds arent appearing, so they transferred me to another line and I received a message that they are unable to complete my call and hung up on me. 

I dont have access to my money and am forced to pay interest and late charges to other bills because I can not access my funds a full 6 days later. Apparent the back is earning interest on my money for 6 days while I can not get to my funds. A supervisor today said they dont know what happened and I would need to be transferred to the claims department to try and get my funds returned. 

This is outrageous that Bank of America has the responsibility to handle these funds and they are not able to look and see what happened. I have spoken with 6 people so far and the last supervisor was completely condescending and said he doesnt know where the funds are and that possibly I entered an incorrect routing and account number, yet I have not updated my routing and account number since I started receiving these funds and every previous time I have transferred money. Now he needs me to file a claim with the bank for my missing funds. Its all internal Bank of America, I have spent two hours chasing this down when someone at the bank should have a system to see where the {$3200.00} went back on the XXXX. Now they are telling me I have to file a claim for missing funds. This is beyond irresponsible that they can not find my money and are delaying further while they file a dispute claim they will have to research the claim and it will take up to 45 days to get an answer. This is my MONEY, this is outrageous.

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 2021-06-28
Company: EQUIFAX, 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:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We had XXXX install our internet in XXXX of 2020 at our XXXX house. They did a terrible job of the installation. They ran the disc by the driveway leaning over, ran the cable over the driveway. The system never worked and within a week, the cable was torn over the driveway and the disc was leaning over. I called the company about fixing it, and I could not get them to respond. I finally just asked them to cancel it because it wasn't working. We NEVER got internet. They told me I would have to pay a {$360.00} cancellation fee. I responded by saying that contracts work both ways and they have a responsibility to fix the service or cancel. The girl suggested I suspend the service which I did. I forgot about the service. We used our hot spot on our phone and the account came out of suspension came in XXXX of XXXX. I asked them at that time to come get their equipment. They refused. They did ask me to mail back on turn in the XXXX box. I think that box got thrown away. We forgot it belonged to that service because it didn't work and disconnected it completely. I took responsibility for the box and said I would pay them the {$300.00} to cover the cost of the box, but I was refusing to pay for service I never received. They continue to send me debt collection and have creditors call me. I have disputed in writing twice and by phone. Once on the phone I offered the {$300.00} to cover the cost of the box because that is what they told me the box cost. They refused the {$300.00} payment. I am standing my ground on principal alone. They didn't provide a service, and I shouldn't be XXXX into paying for something I never received.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: PA
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-24
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.

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