BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX reported to all three bureaus XXXX experian and XXXX hard inquiry Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and

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 2020-12-10
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX : XXXX Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. 

US BANK XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX am writing to assert my rights under California XXXX XXXX XXXX XXXX and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section XXXX ( a ). As outlined in Section XXXX ( b ), I expect your agency to provide the required notice to me, in accordance with Section XXXX ( a ), confirming that my personal information XXXX be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section XXXX ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section XXXX ( d ), to cease the sale or sharing of my personal information. As per Section XXXX ( c ) ( XXXX ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision XXXX result in legal consequences, as outlined in the California XXXX Privacy Act. Thank you for your immediate attention to this matter. Sincerely, 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 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Purchased a pre-paid card serve American Express. When I purchased I did not know that I would have to set up a account, and that I could just go to the store ( XXXX ) and reload when and if I wanted to. I was able to go on line and notice that serve has taken two months of fees from the {$50.00} amount I put on card. The charged me {$7.00} in XXXX and another {$7.00} in XXXX. I did not set up an account. 

I called today and spoke with rep on 7 different times, once I was able to get thru. 1st six times he said they were having technical problems and to call back. On the 7th time he stated he can not cancel the card. All I asked as for the card to be cancelled and funds returned to me in a check. 
He told me he could not cancel the card. I asked him do I have to get an attorney, he stated yes ( twice ), so then I contacted American Express the rep there informed me there was nothing they can do, although American Express serve is listed on there web site, that the issue is out of there hands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Money Source has held my escrow overage for two consecutive years. I have called numerous times and they continue to make excuses. The Money Source is still refusing to issue my two escrow checks although they agreed to do so in response to my previous complaint XXXX # XXXX XXXX. I have called many times and continue to receive different excuses from different representatives and no call back from a supervisor as I have requested on several occasions. I am due a refund from last year that was never issued as well as this year. The first check should be {$1000.00} from XX/XX/XXXX and {$1200.00} for XXXX. The total amount due to me is {$2200.00}. 
Previous response on XX/XX/XXXX Consumer Financial Protection Bureau Online Portal Re : Case XXXX To Whom It May Concern : The Money Source XXXX XXXX NMLS # XXXX XXXX ( TMS ) is in receipt of the complaint filed by Ms. XXXX XXXX XXXX the Borrower ) with the Consumer Financial Protection Bureau. Ms. XXXX complaint states that TMS has not refunded her any escrow account surpluses. She also asked that her escrow account be reanalyzed. Upon receipt of the complaint, TMS conducted a thorough review of the loan file and determined that the Borrowers account has been active in a Chapter XXXX since XX/XX/XXXX. An escrow overage on a loan in active bankruptcy requires additional review and approvals prior to disbursements being generated. TMS analyzed the escrow account on XX/XX/XXXX and determined that there was a surplus of {$1100.00} in the escrow account. The surplus remained in the account, and the disbursement was not made. TMS performed the XXXX annual escrow analysis on XX/XX/XXXX. Due to an increase in the county taxes, the surplus decreased slightly from the {$1100.00} to {$1000.00}. As the Borrower requested, a new escrow analysis has been run to update the account. The homeowners insurance decreased from a yearly premium of {$1900.00} to {$1800.00}. The new surplus amount of {$1200.00} will be refunded to the Borrower within the next 7-10 business days. The new contractual payment amount has decreased from {$1700.00} to {$1700.00}, effective with the XX/XX/XXXX payment. At TMS, we strive to exceed our customers expectations with every interaction. TMS fell short of this goal and sincerely apologizes for the delay in sending the escrow surplus to the Borrower. 

Although the Money Source responded to this complaint they still have failed to meet the terms of the agreement and have failed to issue my escrow refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, keeps reporting an address that doesnt belong to me. Ive sent numerous letters to them with my current address. Attached is my utility bill in my name with my current address.

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 2018-03-03
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm in Tennessee and was married for 3 years to my husband that XXXX XXXX   in XX/XX/XXXX. He was diagnosed with XXXX XXXX in XXXX and only lived XXXX XXXX from his XXXX. AFFILIATED CREDITORS INC has reported that I have medical bills that have gone to collections. These bills were addressed in my husbands name only in the beginning. He XXXX XXXX. I noticed in XX/XX/XXXX that ACI put these on my credit report as well as changing the addressee name to mine. I have messaged them through their website and had one of their employees contact me via phone per my request. I explained that this was my XXXX husbands hospital bills. Our health insurance was under my employer, but I never signed any document saying I would be responsible for paying his bills. I was told by the Affiliated Creditors representative that this should have been on his credit report, not mine. She was going to reach out to her supervisor and call me back. Instead, I continue to get bills now addressed to me. Please have these removed from my credit report. I've worked hard to pay my bills on time. 

XX/XX/XXXX {$1800.00} XX/XX/XXXX {$950.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Convergent Resources, 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:
Convergent Outsourcing XXXX : This debt has been paid and needs to be removed from my credit report. I no longer owe this debt.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NC
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: CashRepublic Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My loan had a debt cancellation provision which should apply as I was involuntarily XXXX  from XXXX XXXX XXXX XXXX  under XXXX XXXX  and honorable conditions. 

This discharge directly impacted my ability to repay said debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Cascade CISS Holdings, LLC
State: VA
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 was assured that once the new loan terms were set up XXXX of XXXX, that the information would be updated on my credit report. The balance has not been updated correctly nor has the monthly payments. The line item is still reporting as charged-off / past due, and the balance is still reporting the same amount, {$16000.00} from 10 months ago, and also as if a payment has not been made since XXXX of XXXX. I have not missed a payment as of the setting up of the new loan terms in XXXX of XXXX. I have the account set up as a direct ACH draft from my checking account. 
This is not my interpretation, but of a credit analyst with Credit Plus Inc., which reviewed the documentation provided to me by the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: MS
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:
i got account that are inaccurate and need to be removed from my report asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Conserve collector, charge me an amount of {$6800.00}, account date shows on my record is XX/XX/2022, creditor info : Conserve XXXX Cross keys office PA XXXX, NY XXXX contact : XXXX This was a setup and the act of hatred no evidence or prove of owning such amount of money because they have my SSN number that why they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been a victim of a massive identity theft and had my citizens Bank account drained along with a citizens Bank credit card. I've provided all the evidence they have requested at least 4 times. They continue to transfer me from debt to dept with no response or money reimbursement.

Company response to consumer: Closed with explanation