BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
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: Account status incorrect

Complaint:
I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is XXXX XXXX and the original creditor is XXXX  XXXX. The amount is {$460.00}. This debt had previously been reported by XXXX XXXX  starting in XX/XX/XXXX. XXXX XXXX is reporting this as a new collection. I contacted XXXX on Monday XX/XX/XXXX in order to have them fix this information and they said because they just received this account it is a new collection. I contacted Experian and XXXX on XX/XX/XXXX to have them look into this information and they told me they could not help me. On XX/XX/XXXX I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped XXXX points for this account and wrong 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 2023-05-01
Company: Experian Information Solutions Inc.
State: AL
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:
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 XXXXXXXX, 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 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. 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. The following inquires has also been opened up under my social security number fraudulently. Resident Verify XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-08
Company: Experian Information Solutions Inc.
State: AL
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 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.

PLEASE SEE ATTACHED 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 2023-04-18
Company: Experian Information Solutions Inc.
State: LA
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:
My mortgage was assumed by XXXX XXXX on or around XX/XX/XXXX. I called XXXX XXXX on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. XXXX XXXX continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reversed 3 mortgage payments without notice to me. Furthermore, XXXX XXXX failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, XXXX XXXX reported me to Experian and XXXX as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of XXXX XXXX XXXXXXXX unauthorized reversal of my payments without notice to me, as well as XXXX XXXXXXXX XXXX failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. XXXX XXXX responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information Experian and XXXX used to verify XXXX XXXX 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by XXXX XXXX was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from XXXX XXXX, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding XXXX XXXXXXXX XXXX fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.

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 2019-11-18
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was notified by XXXX XXXX XXXX XXXX around XXXX XXXX  XX/XX/19 if I wished to authorize an debit of {$280.00}. Once notified from the credit union, I looked up my banking statement and noticed another transaction of {$450.00} has been processed by Western Union. Upon noticing the unauthorized transaction, I contact XXXX  XXXX XXXX XXXX XXXX and reported the transaction. Then I contacted Western Union about the unauthorized transaction. They transferred me to their fraud department and gave little detail to the transaction except for the individual that received the {$450.00} from an XXXX, Il Western Union location. Western Union did not offer to refund the funds due to the fact that they had been fraudulently paid out. After looking up their website, I noticed an account had to be created to access my account. An individual created a fake account with unknown name and address as well as e-mail with my banking number that Western Union would not tell me who created the account. I then contacted XXXX County Sheriff to make a report of money fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: CO
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 have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE 17 INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the 17 inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.

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 2023-04-08
Company: Experian Information Solutions 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:
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 UNDE

R 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. PLEASE SEE ATTACHED 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 2023-08-21
Company: Experian Information Solutions Inc.
State: MS
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:
I received a letter in the mail from XXXXXXXX XXXX stating that I had been approved for a certain amount of credit line. I do not have a XXXX account and I didn't request a credit line. This correspondence also went to an family member 's address and not mine.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I tried to update some information on my Transunion account and it is constantly locking out. I updated the email and username, several times, and it is constantly filled with bad information. It seems as though their customer service department is never able to address my issues. Furthermore, the information is constantly filled with typos and other misinformation. It seems as though there is a lag in their 2FA and my accounts passwords are constantly changing. The account seems to constantly get " locked out. ''

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 2023-08-21
Company: Experian Information Solutions Inc.
State: MO
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:
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX 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 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. 15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under SECTION 1637 ( B ) ( 10 ) OF THIS TITLE a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under SECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor

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 2023-05-01
Company: Experian Information Solutions Inc.
State: MI
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:
Incorrect addresses Incorrect names Unauthorized inquiries

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 2022-04-28
Company: Credit Systems International, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my crediit report yesterday XX/XX/2022 found that Credit Systems had reported me to the credit bureau for a Company called XXXX XXXX. The collection company said I Had to file a fraud police report and mail it to them and then they would take action of some kind in 7 to 10 days. They at first could not even spell my last name after social security # they located me which that's how they found me in the first place. Taked to XXXX XXXX and they would resolve it for 7 to 10 days. I live in Louisiana and XXXX turned on XXXX for someone in XXXX Texas because they apparently did it with a fraud person online. Seems XXXX to do this with no deposit, photo or even someone doing physical verification .In my opinion The supervisor was very rude. and 7-10 days to dispute. So XXXX filed fraud against XXXX charge, plus bother our local police department who have very serious jobs to. make a Fraud report! I would think with all the fraud going on they would verify more than just ss # which can be hacked.They also kept act. open for 3 months I believe everyone involved is part of a slander to my name. Investigate!!!!! before you put my name in credit bureau. All info and Police report are sent to Credit Systems International. Now my credit score has dropped over 60 points I would like and apology from both companies my credit report devoid of this report and XXXX for certified mail refunded. I feel for sorry for customers of XXXX XXXX if they can be so easily, conned on line and customers have to pay for their Lack in Security XXXX act # XXXX and XXXX XXXX  XXXX XXXX XXXX apologize for what everone has done and make this report removed fom my report before I take legal action of slander

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection was added to my credit report for the amount of {$200.00}. The collection was added to my report by Portfolio Recovery. The debt was with XXXX XXXX to which I was contracted to pay the credit card bill. The account was a secured account, to which my line of credit matched my deposit. I deposited {$300.00} to the account, which would cover the account if charged off. I have disputed this debt with Portfolio on several occasions, due to the fact I do not have an agreement with their company to pay any funds to them. They have refused to send any signed contracts and only provide a bill that does not list the full details of the account. A representative was contacted onXX/XX/XXXX, to which I was advised an amount lesser than the full deposit amount was applied back in XXXX. I have requested this information multiple times as I may pursue legal action against the company. To date, no signed contracts or a complete breakdown of how this balance originated has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Account status incorrect

Complaint:
XXXX XXXX LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.

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 2023-04-18
Company: EQUIFAX, INC.
State: ND
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 wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account. 

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: LA
Product: Credit 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:
XXXX XXXX XXXX XXXX XXXX not able to provide us with a clean room when we went to inspect the room with a hotel desk employee we immediately declined the room in question however we were billed for the same XXXX night for {$180.00}. I did not authorize the hotel to charge me as they submitted this charge to Citi XXXX the next day, XX/XX/2023 because we did not stay overnight. This charge was made without my approval nor was I present to sign for the card. 

In addition the hotel refused to show us the room until I submitted my credit card which they obtained by fraud and my signature for a so called parking space. 

Citi XXXX did not believe me and I offered to submit my XXXX witness statements to verify how and why this charge was made by XXXX XXXX by fraud however Citi refused to allow me to include my XXXX witness statements. 

In conclusion, my Citi XXXX XXXX number was stolen and then used the next day without my approval nor knowledge because of fraud committed by XXXX XXXX. This is credit card fraud NOT a billing dispute. Its the same as if the card had been stolen. 

There has been no response from Citi XXXX explaining why this is a valid charge.

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 2023-05-01
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: Account information incorrect

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 explanation
Consumer complaint received 2016-03-09
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX at XXXX PST I called Universal Recovery Corp to inquire on debt I found on my credit. A gentlemen answered the phone and I ask for the current balance. For account # XXXX he stated I owe {$66.00} and for account # XXXX he stated I owe {$83.00}. I asked him how come the balance is different on my report, it says I owe {$56.00} and {$55.00}. The collection company representative said " the discrepancy is because we have n't re-reported to the credit bureaus, XXXX XXXX was the last time we reported on the stonewood account, and XXXX XXXX on the clearside account '' I asked him if that meant his establishment does not report current and accurate information to the credit bureau and he stated " yes ''. 

This is fraud! If they are n't reporting current and accurate information on my credit what else are they falsifying. My best-friend owns a collection agency and they report to the CB twice a month to make sure everything is accurate and current. What if I was making payments, or anyone for that matter, this company does n't report payments being made? This is terrible business practices and they should be audited to ensure they are n't committing any crimes or falsifying anything major!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This account was placed with this collection agency. And I offered to pay this old debt off in full, for removal from my credit reports. This negative trade line is preventing me from obtaining a new apartment.

Company response to consumer: Closed with explanation