BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-21
Company: Experian Information Solutions Inc.
State: WA
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:
To Whom It May Concern, In multiple attempts with Experian, I have submitted disputes across 8 accounts that were included in a Chapter XXXX bankruptcy that was filed in XX/XX/2016 and subsequently discharged in XX/XX/2016. These accounts were in good standing with no late payments up to and including the time of the bankruptcy. Experian continues to report these accounts as " Charge Off '' in the payment history which does not accurately reflect that state of these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) of a credit bureau report of an account that has been discharged in bankruptcy as " charged off as bad debt. '' We acknowledge receipt of your request, pursuant to the Commission procedure set forth in 16 C.F.R. 2.2 ( a ), for an investigation of the credit bureau. 

Section 607 ( of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

The latest dispute reference number is XXXX. 

Sincerely yours, 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 2023-06-09
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX Account # XXXX, and Account # XXXX have 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 2023-11-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ACCOUNT NAME ENHANCED RECOVERY CO L Account:XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-08-03
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 information incorrect

Complaint:
I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and more.

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 2017-04-04
Company: Focus Holding Company
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My business closed on XX/XX/XXXX. I contacted XXXX XXXX to cancel me account. They cancelled the account with a written notice from me.. I contacted them 1 month later to inquire about my refund of bill paid. They stated that I needed to return their equipment. I informed them that the equipment was there when I leased the space, and I no longer occupied the space and they would have to contact the landlord. 
I gave them his information. I called the following month again inquiring about my refund. They states that they did not get the equipment and will not issue a refund with out the equipment. 
The following month I received a email from a Focus Receivables Management ( Debt Collector ) demanding I paid {$70.00} for XXXX XXXX. 
I again contacted XXXX XXXX on XX/XX/XXXX to find out why I was sent to collection for a debt I did not owe. 
Also, they failed to notify me of any debt I owe to them. 
The fact is that they owe me my refund of fees paid. 

I then made arrangements with the landlord to give access to XXXX XXXX to access the space and retrieve their equipment. I schedule a time with them on XX/XX/XXXX between XXXX and XXXX I sat in the parking lot from XXXX to XXXX and no one from XXXX XXXX arrived to retrieve their equipment. 
I have tried numerous time to resolve this issue to no avail. 
Any help you can provide is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: PA
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'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 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 explanation
Consumer complaint received 2017-05-03
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I attempted to make my first mortgage payment to  US  Bank before the due date by phone  XXXX   XXXX   XXXX   XXXX .  US  Bank informed me that they would charge me $  XXXX  {$5.00} as a service fee if I wanted to pay by phone. I hung up as I would make the payment next week ( on  XXXX   XXXX  ) once I had internet access and could pay online.     On  XXXX   XXXX ,    2017 I  attempted to set up automatic payments, but was informed that the first payment could not take place until  XXXX  as it was now past  XXXX   XXXX . I set up automatic payments and then undertook the additional process of making a  one  time payment. I noticed that I was going to be charged a {$5.00} convenience fee for paying online. I called  US ba nk to try to identify a no fee way to pay my mortgage, and they informed me that I could open  a US B ank account to avoid the fee if I wanted to. They refused to waive the fee, even as a  one t ime courtesy.     I suggested that they  may be  in violation o f Dodd Frank, as this fee was never disclosed to me in the mortgage signing process. They assured me th at this is how they treat all of their customers.     I lost {$5.00} because of this deceptive practice.

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 2022-12-14
Company: U.S. BANCORP
State: IL
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:
These companies performed Unauthorized inquiries on my credit report, 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 2017-12-20
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This morning I tried to send all of my XXXX from Coinbase to a hardware wallet. I always send a small amount first to make sure the address is correct and that transaction was instant but when I tried to send the rest, XXXX XXXX at XXXX PST to XXXX it 's just sitting in the " PENDING '' status. Coinbase has no customer support you can even contact about this issue but on the support part of their website this is what it tells you, " If you sent litecoin from your Coinbase account and it 's still pending, this may be an error on our end that we 're working to resolve shortly. Please know that your bitcoin is safe and will be broadcast to the bitcoin network soon. We definitely appreciate your patience! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: VA
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'VE CONTACTED THE COMPANY TO CONFIRM THAT THIS ACCOUNT DOES NOT BELONG TO ME I WAS ASKED QUESTIONS TO CONFIRM MY SOCIAL SECURITY NUMBER AND THE ONE THEY HAD DOES NOT BELONG TO ME. THIS IS A VALILATION OF MY CONSUMER RITES AND NEED TO BE REMOVED FROM MY CREDIT FILE. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE ACCOUNT LISTED BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER15 USC 1681.1. NOT ONLY DO THEY NOT HAVE THE CORRECT SOCIAL THEY HAVE REPORTED THIS TO THE CREDIT REPORT 15USC 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 REASONABLE CAUSE TOBELIEVE THAT THE INFORMATIONIS INACCURATE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 need you to take action and investigate the inaccuracies on my credit report so that it accurately reflects my financial standing. As per FCRA section 611, it is imperative that you have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well, I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved.

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 2023-06-18
Company: Consumer Adjustment Company Incorporated
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First off the validation, never came to me because it's not mine. I've never taken a payday loan in my life. But what they're doing is every day they'll raise it up by a XXXX  and lower it by a XXXX the next day every day. As you can XXXX it's really messed up my credit up but every day it goes up a XXXX and then goes down XXXX slice like they're harassing the = out of me and I'm trying to buy a truck and it's really making things difficult.. I've dealt with this bull= ever since XXXX had all the data late. So since about XXXX XXXX XXXX, I have not been able to buy anything nasty matter how hard I work. My identity has been stolen. I can't get a new Social Security card and every time I think I get it worked out, some collector XXXX puts something on there that's not mine I can't validate it and then they harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2022 I reached out to credit reporting agency Experian, XXXX, XXXX. Letting them know i was a victim of identity theft. I sent a list of fraudulent accounts a long with a ftc report and my identification. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Which was never done which means they are in direct violation of FCRA right under the Fair Crediting reporting Act 15 USC Section 1681 violation for willful non compliance - Section 616 civil liability for wilful noncompliance ( 15 U.S.C. section 1681n ) which is XXXX per violation which i am seeking.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I pulled my credit and noticed that my student loan accounts were still reporting. On XX/XX/2023 I got an email notification stating that the credit bureaus would be updated to remove all negative payment history and remarks and the balance on all my student loans would reflect a XXXX balance. I decided to call the main credit bureaus to address this issue because the seven student loan accounts are not incorrectly being report. At that time, I was advised that none of the reports have been updated to a XXXX balance and the negative history remained. My consumer debt is now reflecting that I owe debt that I do not owe and I can't get them to fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Amsher Collection Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Please read the attached letter regarding a collection for {$280.00} erroneously reported on my credit report without proper notification and validation from a company Amsher Collection Services Inc. This reporting has negatively impacted my personal credit. 

I have disputed this reporting with the Credit Bureaus, XXXX, XXXX and XXXX. XXXX has removed this reporting. I have not had a satisfactory response with XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: NY
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 called to report several unauthorized inquiries that are on my report from companies I have not applied to for any type of credit and I asked that they be removed and I asked for a fraud alert on my report which they refused to place because I believe these inquiries are a result of fraud. The inquiries are   XXXX   XXXX   (  XXXX  of them ),  XXXX  Bank  XXXX   XXXX  of them ),   XXXX   XXXX   (  XXXX  of them ),  XXXX   XXXX  Bank,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  -  XXXX   XXXX   XXXX , and  XXXX  Bank (  XXXX  of them ). That is a total of   XXXX   unauthorized inquiries and I adked that a fraud alert be placed on my report and they have refused to remove the inquiries and place the fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is Wells Fargo Dealer S, the other is XXXX XXXX  the last one is 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