BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: MS
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:
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My XXXX XXXXXXXX XXXX card was stolen and I reported it to the credit card company. There were fraudulent charges on the account and I reported this to XXXX XXXX XXXX XXXX but instead of fixing the problem they closed the account and reported it negatively on my credit file. Whenever I dispute the account all the credit bureaus do is place the account status as under investigation and alter the past due amount reported and now they have marked this as a charge off account. I never received a 1099-C form in connection to this charge of status from XXXX XXXX as well. Under 15 U.S.C. 1692g validation of debt I don't recognize the account status, the account high balance nor to I recognize the late payments associated with this account. Everything being reported does not meet the FCRA. Also as a victim of fraud I should be protected under 15 USC 1644 being that I did not authorize the charges made on this credit card below. I filed a identity theft report with FTC as well and provided a copy to all 3 credit bureaus but they refused to assist me. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$24.00}, XXXX written off. {$24.00}, XXXX past due as of XX/XX/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 2018-06-28
Company: Rickart Collection Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had arrived home at approximately XXXX on XX/XX/XXXX and grabbed the mail. There was notification from Rickart Collection Systems , Inc. stating that they were a debt collector from my account with XXXX and must notify them within 30 days of receipt of this notification if I dispute this debt. I called up my representative XXXX that night at approximately XXXX. I inquired about the debt and she stated that this was a debt that was from XX/XX/XXXX to XX/XX/XXXX in the amount of {$1100.00} for services from XXXX at XXXX XXXX XXXX XXXX. I have not resided in that home since XXXX. I had filed Bankruptcy and was discharged of all debt in XX/XX/XXXX from this residency. XXXX XXXX XXXX is a duplex that I purchased and is under one parcel. I find it funny that now at the end of the 7 years this resurfaces and that XXXX is again trying to collect on old past debt, debt that was included in the bankruptcy and now appears that they have created a story to get me attention to make contact with them to discuss and collect on past debts. I stated that someone has taken my identity and put service in my name but for only a 3 month period? XXXX advised me not to call the police to make a report until after I call XXXX. She stated to put the dispute in writing. I hung up with her and then called XXXX and spoke to a representative. He had stated that the bill is from past accounts in addition to this new account that was created on XX/XX/XXXX through to XX/XX/XXXX which was put in my name. Again I have not lived at this address for many many years. He stated that there is old account balances and when someone comes up for service with the name it attaches that debt to the new account in hopes of collection or termination of services when payment is not made, which has happened in this case. The only problem is, is that its not me, I do not even have XXXX as my electric provider close to 7 years now. Also, they sold off any past debt to collection agencies so why are multiple people trying to collect the same monies? This is very wrong and I feel that they are in hopes of trying to scare me into paying money not due or to falsely create a new collection inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The three bureaus continue to report inaccurate medical information on my credit report. They are originally removed and placed back on my credit profile causing impact and violating my rights and HIPAA rights and need to complain. IN addition there are collection accounts for and account I never had and showing open yet in collection and no proof of contracts have yet to be provided in my 3rd attempt.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This individual may have deep information of my credit and credit history. This company has used a tax credit agency to scam me for {$500.00} to {$800.00} and I believe she then syber stalked me to gain access to my social security number to gain in my name as I have not been able to purchase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts :

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 2023-01-10
Company: ALLIANT CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to request immediate assistance in resolving an issue with Alliant Credit Union. In XXXX, I elected for distribution of funds from my XXXX retirement account, which was held by XXXX XXXX, in the amount of {$100000.00} ( Pretax ), {$75000.00} of which was supposed to go to my savings account and {$25000.00} to my XXXX IRA. However, Alliant Credit Union has deposited the {$75000.00} into my XXXX IRA and {$25000.00} into my savings account. 

I want to inform you that XXXX XXXX, whom I elected the distribution from, has tried to contact Alliant IRA Division multiple times but they have not had any luck either. They have informed me they are ready to handle the correction as soon as they can get in contact with an individual at Alliant. However, I have made multiple attempts to contact Alliant for which i've been placed on hold for 30+ minutes at a time and then disconnected. This lack of communication and inability to resolve this issue is unacceptable. 

This error is not my fault and I expect it to be corrected immediately. I understand that there may be penalties for withdrawing funds from my Roth IRA account, but in this case, it is not my mistake and I should not be held responsible for any penalties. I have not made the transfer myself, as any penalties from withdrawal of the funds aside from 10 % tax withholding is not acceptable as this is not my mistake. 

I would greatly appreciate any assistance you can provide in resolving this issue. I have tried multiple times to reach out to the bank but with no luck. I expect prompt attention to this matter and a resolution as soon as possible. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: PA
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 previously contacted XXXX, XXXX, and EXPERIAN about my consumer report having incorrect information as a result I have not received any updates to my consumer report. 

closed account : XXXX XXXX XXXX : which is listed as 42 % paid on time and 7 late payments which is FRAUDULENT i never missed a payment and the debt was paid on time every month i even paid this debt in full 5 years before the loan was due to be fully paid. 

fraudulent inquiries : XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-11-14
Company: TRUIST FINANCIAL CORPORATION
State: LA
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 have an installment loan from SHEFFIELD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SHEFFIELD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SHEFFIELD with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.

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: EQUIFAX, INC.
State: NV
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:
On Equifax 's website it very clearly states that if you're shopping around for the same loan within 14 to 45 day period the different inquieries should only count as one inquirery. I have 3 inquieries that were all for an auto loan that were done within a 14 day period that are being counted as 3 different inquireries when, as stated on their website, should only be counted as 1 inquierery. I'd like these 3 inquieries to only be counted as one per their website. I called Equifax varios times and every representative did not even know about this, but one representative did after taking the time to do a little research and look for it on the Equifax website. She, then said it only counts if your credit is pulled varios times by the same lender for the same loan which is not true, because the article, on THEIR website goes on to say that because of this you're given a chance to shop different LENDERS. That is the very next sentence after the statement, " if you're shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquirery for a given period of time. The period of time may vary depending on the credit scoring model used, but its typically 14 to 45 days. '' Like I said it goes on to say, " this allows you to check different lenders ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened my Discover credit card in XXXX of 2016 as a Secured Credit Card. Upon opening my card, Discover withdrew {$300.00} from me to hold as a secured payment and guaranteed me that my account would be re-evaluated after six months for me to receive my initial payment back. It has now been 3 years and 2 months and I have tried tirelessly to contact Discover and they will not give me my deposit back. They stated I would need to cancel the credit card to get the deposit back, but that would affect my credit report as it is the oldest card I have. This seems deceiving and I feel like Discover is using a deposit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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 recently started to gain interest in my credit and building it due to my mom, I made an account with identityiq to get a full report and noticed multiple unauthorized accounts as well as unauthorized inquires on my report and I'm lost on the fact that whoever was able to steal my identity or information, I was/am not aware of any of the accounts or inquiries. The fraudulent accounts are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent Inquires are listed : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: DISCOVER BANK
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28
Company: Experian Information Solutions Inc.
State: MA
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:
Experian dispute is reporting me as deceased. XXXX XXXX my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
The car was voluntarily repossessed in XX/XX/XXXX. I agreed with XXXX XXXX XXXX on XX/XX/XXXX, to pay {$1500.00} and the account would be deleted from my credit report. I did in fact pay the agreed amount and the account should be deleted. However, XXXX XXXX states it would remove the item in 7 years. My complaint is that it still remains on my credit report after 7 years. It is going on for 8 years now. The amount has been settled, the account has been closed since XXXX and the car has been sold. The previous complaint resulted in the company removing it from XXXX. The negative item still remains on Experian and XXXX. I have sent the company countless emails and they have not responded. I filed yet another dispute this week. I have paid the agreed settled amount and it has been more than 7 years. My Experian report shows it should have been removed in XXXX XXXX and the report shows XX/XX/XXXX. How long will this go on? I have paid the settlement amount as agreed. I have waited over 8 years at what point do I get a chance to move forward in my life? Do to a family hardship ( the loss of my father ) I could no longer pay the car note. I surrendered the car in 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 2023-12-06
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I have been reaching out to this mortgage servicer for over a year. They do not send information about removal of PMI and they lose my written correspondence and even lost the check that I mailed to them in their own self addressed envelop. They are irresponsibly causing me to pay PMI for over a year that equates to over {$2400.00}. There is no way to escalate and no one gets back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
The original debt is to XXXX XXXX for the total of {$840.00}. This has been turned over to the collection agency Portfolio Recovery Associates. The collection agency on my XXXX credit report does not show that this account has been disputed. This violates the law because 15 USC 1692e8. They have not reported that this has been disputed. This account should there for be deleted from report. Also they have had more than 30 days to report this dispute. Item should be removed from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
the following accounts are reporting the account status inaccurate these accounts below are paid! XXXX, Transunion, are in violation for not reporting the account status as PAID. 
please update this account or delete it from my credit report XXXX XXXXXXXX - TRANSUNION REPORTING ACCOUNT STATUS AS DROGATORY AND ACCOUNT HAS BEEN PAID XXXX XXXX XXXX - XXXX REPORTING ACCOUNT STATUS AS DEROTORY AND ACCOUNT HAS BEEN PAID XXXX  XXXX XXXX XXXX REPORTING ACCOUNT STATUS AS DEROTORGY AND ACCOUNT HAS BEEN PAID

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