BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
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:
They stole my identity and took out 4 cars in my name without me being there, in states that I'm not like New York and New Jersey, I only own a single car and it's a white XXXX XXXX XXXX, the other cars are a fraud

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 2022-12-21
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
XXXX  -- Disputed a Public Record item appearing within my credit file with Experian as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The original furnisher ( s ), the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Alabama, do not report to any credit reporting agencies to include XXXX, Experian, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to XXXX stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way XXXX reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. 

Experian.com/upload webpage also blocks at the discretion of Experian, consumers from uploading pertinent documentation to support disputes; tried multiples times with most attempts yielding a timed out or unable to process error message. This webpage would not allow me to upload dispute additional supporting documentation ( FCRA Dispute Letter Dated XXXX XX/XX/XXXX and Letter From The Court ) as stated by the Experian Rep during a phone call on XX/XX/XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-08-05
Company: BYL Collection Services
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no knowledge of this company or alleged debt.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This apartment complex has been shut down by the state of alabama for various criminal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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:
Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact Experian regarding the inquiries and they have failed to remove all of the unauthorized inquiries. This is my last attempt, I am demanding the removal of the remaining inquiries I have listed on the ftc 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 2023-04-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently spoke with a representative regarding the reason for denial stating Wells Fargo made a credit post decision from XX/XX/XXXX when I didnt open my loan until XX/XX/XXXX. Also Wells Fargo discussed Mortgage assistance options with someone that I didnt authorize to speak on my behalf and who never was on the mortgage or the note. I personally never received payment options and I have the income to afford payments

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 2023-06-30
Company: EQUIFAX, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : 15306 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT NATIONAL CXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23
Company: Experian Information Solutions Inc.
State: IL
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 was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( 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 2023-06-30
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, Upon recent review of my credit report, I noticed that there was a collections trade-line placed on my account by the company known as Credence Resource Management XXXX I have sent multiple letters via certified mail disputing their claim that I owe them money. I have no knowledge of this debt. More than 30 days has passed from the date of disputing claim with no investigation conducted by XXXX XXXX XXXX to resolve this matter. Due to the fact that there was no response or investigation conducted by Credence Resource Management about my dispute, they are in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). I request that XXXX XXXX XXXX remove the collections trade-line immediately, or it result in small claims legal action against their company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AZ
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 settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, my Student Aid portal was updated. I went to check and stated there is an active loan with MOHELA for {$47000.00}. I went to check MOHELA, as I knew this was not right. This loan was discharged per the PSLF guidelines on XX/XX/XXXX. See letters attached from MOHELA. Sure enough, the loan that was discharged and forgiven is now " open ' on this account. I called and talked to two people. They confirmed this was discharged and can see the letters. After 1:30 hr hold time, I was then met with an advocate who stated that a 'review ' would have to be done to make sure this is the 'right ' loan. Okay, this is the only loan of two that magically was placed back to open status as forbearance. One, I am not in forbearance, that loan was legitimately forgiven/discharged on XX/XX/XXXX. Second, I just started to take classes online with 4 classes to go. Graduation date is XX/XX/XXXX. The only loan I would have open would be for the XXXX school year for the amount of {$12000.00} approximately and that wouldn't show up with MOHELA until in school deferment is completed and graduated in XXXX. 

Dealing with MOHELA has been a nightmare from the get-go. They can not seem to get their act straight and now they are bringing back phantom/discharged debt to try and collect on it. This is straight FWA and illegal on MOHELA 's part. The worst part is, instead of taking care of the obvious human error right away, they are making their clients follow up with THEM and do the leg work, calling them out and pointing out their missteps and not expediting these cases to make them right. It is a really bad way to do business and I did report FWA to the OIG/USDEd because now they are going to try and charge me interest once the COVID 19 restrictions are lifted AND report this to the credit agencies for a phantom debt. If they do not resolve this with the next two weeks, I will get a lawyer for FWA charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Big Illegal or unknown or illegal charges ( above {$50.00} up to {$500.00} ) were made on my Walmart Credit card, XXXX and other credit cards ... ... .mostly by by foreign entities. 


Walmart Credit card and XXXX are not removing these charges even after multiple requests ... ... .and are piling heavy LATE FEES & INTEREST FEES etc ... ... .inflating the amount to be paid by several 1000 dollars. Then Walmart Credit card and XXXX are passing on these INFLATED ACCOUNTS to COLLECTION AGENCIES like XXXX XXXX XXXX XXXX ... ... .who are forcing us to pay these inflated amounts ... ... .and taking good customers or consumers like me to court. 

CPFB please order Walmart Credit card and XXXX to tell their COLLECTION AGENCY ... ... XXXX XXXX XXXX XXXX XXXX... to STOP harassing me ( by asking me to pay these INFLATED ILLEGAL amounts ... ... ..amounts INFLATED with ILLEGAL, UNKWON CHARGES, LATE FEES, INTERES FEES ETC. ETC. ) ... .and close my Walmart Credit card and XXXX XXXX ... ... FOREVER ... ... like XXXX, XXXX XXXX  etc. did for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Information belongs to someone else

Complaint:
I have disputed these fraud account thats not mines

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-12-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I am a physician and am trying to setup a business seeing patients. I have tried to open a small business checking account at XXXX and keep getting refused because ChexSystems is reporting my credit history as frozen. Today I went to a physical bank location and a banker got the same false information from ChexSystems. 

My credit history was frozen for security purposes at all XXXX credit bureaus. It has been over ten days that all credit histories are unfrozen. 

I NEVER placed a freeze with ChexSystems. I did not even know about ChexSystems until I found out they were providing banks with false information on me. 

I am suffering HUGE financial losses because I am unable to transact financial payments and collect payments from patients. This is only and ONLY due to ChexSystems preventing a law abiding citizen from conducting legal business by blocking their ability to conduct financial transactions.

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