BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This account is XXXX years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX Balance XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Re : dispute Re investigation I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file and you seem to have mistakenly verified them as accurate. The following accounts are not mine. Maybe the source is unreliable, but I need you to perform a Re investigation into these accounts and delete them Immediately : Account # XXXX XXXX OPENED XX/XX/2021 Account # XXXX XXXX XX/XX/2021 Law 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes The following accounts are in violation of these laws and need to be deleted from my consumer report 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 explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-06-06
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries thats I dont recognize on my credit report. These accounts arent attached to an open accounts, nor am I benefiting from any of these inquiries. I would like to state that Experian is in violation of my consumer rights and the FCRA. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - No Permissible purpose. I, XXXX XXXX, NEVER gave Experian WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. This is public information, I can only assume Experian broke the law knowingly and willingly which is another violation of my consumer rights- Pursuant 15 U.S.C. 1611. According to the FCRA consumer reporting agencies must delete inaccurate, incomplete, or unverifiable information. 

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 XXXXXXXX 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 2023-12-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
About a month a ago i mailed a dispute letter to Experian reporting inaccuracies found on my consumer credit report. I have not received a response and my Experian report is still showing inaccuracies. This is a violation based on 15 USC 1681 ( i ). As a federally protected consumer and based on the attached reports, Experian violates the following : 15 USC 1681 - Accuracy - for failing to maintain accuracy of reporting based on the attached documents highlighting inaccuracy of reporting : 1 ) employment history 2 ) credit score 3 ) address history 4 ) number of late payments 5 ) account number 6 ) date reported 7 ) inquiries 8 ) payment history for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days late 10 ) late payments. 

The FCRA requires the information furnished on the consumer report be accurate and complete, to include the account number, if it is reported. In addition to the numerous inaccuracies reported, Experian is only reporting the I.I.N. ( Issuer Identification Number ) or B.I.N. ( bank Identification Number ) of the card/account number, it is impossible to determine if this account is even mine. 
Experian is also in violation of 15 USC 1681 ( b ) - Permissible Purposes. Experian has never received a permissible purpose to furnish any information on/to my consumer report. Also Experian violates 15 USC 1681 ( b ) - Permissible Purposes- due to furnishing inquiries on my consumer report that are not open accounts. Unless Experian can provide documentation verifying that I, the consumer, have an open account with any company listed as an inquiry, the inquiries. 

Experian also violates the Privates Act of 1974 ( 5 USC 552 ( a ) by obtaining all address through a third-party agency.

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 2022-10-31
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX SC, XXXX XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 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 XXXX XXXX, you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employment : XXXX Local Account History : XXXX XXXX XXXX, acct # : XXXX XXXX, acct # : XXXX XXXX XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX XXXX XXXX acct XXXX : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
So I was approved for a lease ( Loan ) with XXXX XXXX in XXXX Massachusetts for a XXXX XXXX XXXX XXXX I signed a agreement for 4 years {$350.00} dollars a month and I have been contacting the finance company for the past 3 years email and by telephone from time to time about reporting the information so it reflects on my credit score I have never missed a payment or been late or even had my car reposed I think it's only fair that as a first time car buyer that you at least do the right thing update my credit file with the information you have so it shows that I am a worthy buyer for when I need another car but the last time I spoke with XXXX was through email and this was 2 years ago and they told me the computers and system are upgrading and the IT guy is working on transferring everyone 's accounts over to the credit agencies and it should take a couple months well another year went by and its now been 3 years and still nothing and I spoke to XXXX earlier this month about it and she stated the lady who was suppose to do it is in a meeting so I emailed XXXX later that day and asked how come they didn't upload the documents and see if they could redo it again if that wasn't a hassle and nobody has yet to respond back yet. 

Please inform the credit bureaus of my ontime payment history with you guys please!

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 2021-02-16
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
ON XX/XX/2021 I received two emails from from Remitly stating my request to increase transfer amount had not been approved. I attempted to sign on to my account account through the Remitly App and received a pop up message that I need to contact customer service. I attempted to call on XX/XX/2021 but no representative picked up call. Later on the same day. XX/XX/2021 I logged on to Remitly website and used the chat function. The representative told me my account had been terminated but offered no explanation as to why and refused to do so. 

I had only made three transfers. Two from an account in the United States held by my spouse and me to an account held by my spouse. The other from the same account to the landlord of a family member. 

I need an explanation as to what led to the termination of my ability to send transfers so and explanation can be offered. 

Second I need the ability to get into my account so I have access to the receipts from transfers I have completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America claim XXXX On XX/XX/2022, I was charged a fee of XXXX plus XXXX international fee. I was not in the state of XXXX  in the month of XXXX. My checking out was charged that amount and i had my Debit card in possession at the time. Bank of America than did a Temporary adjustment of XXXX and a claim was opened. In the month of XXXX i received a letter that my claim was denied and as of now the claim is closed and they have placed a debit hold of XXXX again. I am the only card holder and have never authorized anyone to use my debit cards. Fraud has been done by that person and Bank of America is not helping me at all.

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 monetary relief
Consumer complaint received 2022-06-05
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  saying that I owe them XXXX. I payed my bill and turned in the equipment the same day after I told them I no longer need there service. The equipment was checked in I got a receipt for it but it was listed in the total lost of my vehicle that day. I have by bank statement stating that the money was withdrawn for my account. I told them that an they are same it wasn't payed.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-10-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempted to get a statement about amount of debt owed originally, the amount paid to date and who are they collecting for however agent XXXX # XXXX refused to send any information. He stated that they do not do that. 

Company Wakefield & Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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 status incorrect

Complaint:
I contacted all three CRA 's letting them know they have violated me as a consumer by reporting inaccurate and incorrect information on my consumer report. Per Congress consumer reporting agencies are to insure their grave responsibilities with fairness, impartiality, and a respect for me the consumer 's right to privacy which has been violated.

15 USC. 1681a ( 2 ) ( A ) ( i ) states the term " consumer report '' does not include - any - report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC.1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to unfreeze my TransUnion credit. I went to their website. It would not let me log in on the six digit two factor authentifaction code. I called the customer service center and used the chat. They said I have to send in my drivers license ( or government issued id ) and a recent bill and maybe in four business days after receipt they might unfreeze my credit. I need a load today and my credit can not be verified. Their customer service offers no other alternatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: SYNCHRONY FINANCIAL
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:
I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from. 


thank you

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 2022-12-25
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$1000.00} XXXX   XXXX Card  ACCT : XXXX AMT : {$160.00} XXXX ACCT : XXXX AMT : {$860.00} XXXX  XXXX  Credit Card ACCT : XXXX AMT : {$1600.00} XXXX  XXXX Credit Card ACCT : XXXX AMT : {$1600.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 , XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX Dealer Services XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation