BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes XXXX, XXXX or Transunion to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, 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 2023-03-10
Company: Experian Information Solutions Inc.
State: TX
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 Recording act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : # 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 the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency can not furnish an 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 which antedates the report by more than seven years.

15 U.S.C. 1681 s-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 explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I disputed incorrect information on my credit report on XX/XX/2020 and received a completion on XX/XX/2020 That stated the item had been deleted. 

On XX/XX/2020 I pulled a new copy of my report and saw the address was still on my report. I called into the consumer report center to inquire why? I was told it was deleted again. 

On XX/XX/2020 I was sent Report # XXXX. The next day I pulled another report only to realize it was still on my report. 

I have called 3 more times and recorded each call to try and rectify the situation to no avail.. At this point i have been giving several different stories to why it's still on my report and non made sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-20
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  sent me equipment to set up that I never connected. Never used their services. I have photo and video proof that all the equipment I gave back to XXXX  on XX/XX/XXXX was still sealed in plastic. I was given a receipt by a spectrum representative proof that I returned equipment and I never opened it. Account for spectrum was opened XX/XX/XXXX, since I never used the items, I thought I wouldn't be charged for it however I only realized I was being charged for such from 11 charter communications, llc. Those representatives told me if I returned the equipment I would not owe spectrum anything however I check my credit today and see them still trying to collect money for services I never received or equipment I don't have anymore. Amsher collection services are holding my credit accountable. I believe I owe nothing for services I never received nor wanted in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Shut off my account, and I can not access my phone and they froze my account, leaving me and hard times with bills to pay

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 2022-03-22
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Following up the closing of my dispute with Discover Financial Services, I decided - for the sake of my sanity and sustaining the quality of my credit status- to reach an agreement with that business entity. This agreement was made by authorized Discover Card Collection Representative XXXX XXXX XXXX, confirmation # XXXX which dated XX/XX/2022 and entails the full payment of {$340.00} by an ACH transaction from XXXX XXXX XXXX. This payment was made, as a conclusive sum, in order to close this issue for ever. 

On XX/XX/XXXX, I returned from XXXX trip, realizing that XXXX XXXX  has a system glitch, and couldn't complete the transaction, as the payment inadvertently refunded back to the bank. I immediately notified Discover Card about the system problem with the bank. XXXX XXXX was not available and was replaced by XXXX XXXX XXXX ( sic ), confirmation # XXXX, who assured me on XX/XX/2022 that by paying the amount of {$340.00} there will be " XXXX balance account ''. I requested a written statement for that, she responded by stating " It is my honorable promise, '' and brushed off my request stating " We don't send statements like that. '' Then I decided- in order to speed the delivery of the fund - I used another financial institution to transfer the fund, which was received, accordingly. Now, Discover Card started their harassment, and demanded additional payment of {$110.00} ( XXXX XXXX Credit of {$69.00} & interest charge of {$12.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My private information is being shared without my consent. I need my privacy protected at all costs! I have a right to privacy and my right is being violated at the moment. I need this to stop 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 non-monetary relief
Consumer complaint received 2023-11-30
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: WI
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 received an alert from Experian on XX/XX/XXXX, notifying me of a hard inquiry from XXXX XXXX, which resulted in a credit score drop of nine points. I did not authorize a credit pull from this company nor any company near or on XX/XX/XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX I contacted XXXX XXXX from the number listed for them on my Experian credit report ( XXXX ), and spoke with three different people for a total of XXXX minutes ( the majority of those minutes spent on hold ). During the call, I asked why my credit pulled without my authorization. I was told I could dispute the pull with Experian to which I continued to ask why it was pulled without my authorization. After the final transfer to the third person, I was told because I had an account with them back in XXXX  ( don't recall that, but that one is for me to investigate ), it authorized them to do hard pulls whenever they wanted. This practice seems not only un-ethical but illegal, which is why I'm filing this complaint. I would like XXXX XXXX to remove the hard credit inquiry. On XX/XX/XXXX, at XXXX XXXX, I contacted Experian to file a dispute and spoke with two different people for a total of XXXX minutes ( the majority of those minutes also spent on hold ), but was told because XXXX XXXX did this in error, there was nothing they could do, and I had to contact XXXX XXXX to remove the hard inquiry. I'm at a loss of next steps as each company is telling me to resolve it with the other company, and I just want the hard inquiry removed. I'm in the process of repairing my credit, and unauthorized inquiries like these only make it harder for US consumers like myself, forcing us to pay higher interest rates.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
Company is reporting inaccurate information. 
Account name : XXXX XXXX Account # XXXX High credit is lower than balance, delete account for inaccurate reporting Account name : XXXX XXXX Account # XXXX Account is being reported with an inaccurate date of last payment therefore restarts the statue of limitations There is a violation in accordant to 15 USC 1681e ( b ) ensuring maximum possible accuracy

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 2023-08-15
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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-28
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: RMS-Recovery Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been contacted at my work by this company RMS, they are a debt collector trying to collect a debt for XXXX XXXX XXXX XXXX XXXX. XXXX. They said that a settlement has been approved and that if I pay them XXXX the remainder will be waived. 
I contacted the school and asked about this company and they have no information on it. This company 'RMS ' has now contacted me three times at work after I asked them to not contact me. I have no idea how they got information on where I work and neither does XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX had no information on my job location. I feel harassed at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: MI
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 the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX 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 an 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 ay consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2018-02-01
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: Account information incorrect

Complaint:
There has never been a XXXX XXXX card or account that is a fact.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 reached out to the credit reporting agencies and informed them that the inquires which I will include below and attach a document were unauthorized but I didn't receive any help or response. I reached out on XX/XX/2023. I have also included the rules and regulation below for such cases. 

Transunion Report XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 18 U.S. Codes 1028A Aggravated identity theft

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 2022-02-12
Company: EQUIFAX, INC.
State: KY
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 sent several disputes in the past to have the two accounts reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Equifax have not. The latest letter I sent to XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please See Attached Files Experian continues to employ unlawful and unfair business practices regarding personal information and accounts being reported to my credit file. Even after numerous attempts and requests, they consistently violate my consumer rights afforded to me under the FCRA. I asked that you review the attached documents thoroughly and honor my request to have all referenced personal information removed.

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 2019-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America has engaged in a long-term pattern or practice of providing False statements or representation for credit card account XXXX. In fact, these false statements or representation were so serious that I had to close this credit card account. I am attempting to pay an alleged debt to Bank of America for various late fees and interest charges caused by delays created by their failed ACH system which appears designed to incur late fees and interest charges. 

On XX/XX/19 @ XXXX CST I called bank of american collections at ( XXXX ) XXXX who {$25.00} removed from past due amount leaving a payoff amount of {$9.00}. representative was a female who offered to make call notes for a future representative to refer to if item is not removed from credit bureau. 

XX/XX/19 XXXX call during a 1hr-12min call I was transferred to XXXX XXXX who escalation manager and was told the content of my prior call on XX/XX/19 included false statements or representation. Mr XXXX went on to say the name of the representative providing false statements or representation on XX/XX/19 was 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