BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt XXXX Experian and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( XXXX, XXXX, Experian, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXX 's website, they do not give, sell, or transfer any personal information to ANY third parties.

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 2023-04-22
Company: Payfare International Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I'm a XXXX XXXX XXXX XXXX uses payfare to mediate their transactions. On XX/XX/XXXX the XXXX XXXX app went through what's considered an " outage. '' The app crashes and payments go haywire. During this specific outage, I had 2 separate deposits from two different " dashes. '' 1 in the amount of {$15.00} and the 2nd for {$21.00}. I had to make SEVERAL phone calls up until just before I typed this complaint now on XX/XX/XXXX. I had a phone call with a representative that saw that my payments were floating and confirmed they were supposed to have the money hit my account in within " 5 business days ''. I made several phone calls more because I XXXX XXXX full time, 7 days a week, and that's unfair for me to work as hard as I do, ( As a top dasher  for the last 4 months straight ) and not be compensated for my labor. In addition to that initial problem, through several more hour ( s ) long phone calls, I also had to wake up one evening after finishing my dashing day with {$19.00} in my account. I wake up to 5 charges from earlier that morning to afternoon, charging my account again, finalizing my account at that time to - {$36.00}, On XX/XX/XXXX around midnight. I made SEVERAL phone calls after that, to no avail. Days later, I get a notification in the interim, saying that the XXXX XXXX XXXX has been having issues with gas stations and pending charges. After more phone calls and getting the " run-around '', I spoke with another dasher direct representative who confirmed that my balance during that phone call was {$63.00} and that my account was supposed to reflect {$120.00}. And was still missing {$59.00} in more floating payments. 

The total of money missing is : {$15.00} ( 1st deposit XXXX ) {$21.00} ( 2nd deposit XXXX ) {$56.00} ( - {$19.00} -> - {$36.00} XXXX  Money taken ) {$59.00} ( Phone call confirming additional Missing payments ) The total amount I'm missing is : {$150.00}. 

That's what I earned and is not in my account and that's all I want. I've had so much hardship begins of missing money. I've run out of gas twice because money has been missing from my account. I've been stranded with car troubles and can't use my card because they're withholding money. This needs to be resolved and if possible with extra for the inconvenience and phone call games. 

I don't deserve to be withheld from my EARNINGS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX Kept disregarding my disputes, by telling me they want me to send them a proof of id verification, last check stub, and cell phone bill. I sent them a certified letter, and they never responded. Attached is copy of driver license, copy of phone bill, copy of last check stub. The matter is a bankruptcy, I contact the bankruptcy courts in XXXX and they responded with a letter that I will attach below. They dont provide court records to credit bureaus. 

>I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.<

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: TN
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:
There are several accounts fraudulently furnished to my credit report. I have contacted the CRA 's as well as creditors responsible for the fraudulent reporting. I have not been provided legal binding documents showing the validity of this fraudulent reporting from the CRA 's. The information is not consistently reported and one bureau is in compliance, where the others are not. I have informed each CRA of my final attempt at peaceful civil mediation, without prejudice with All Natural Inalienable Rights Reserved. I am requesting the removal of all of the information submitted to each CRA, Experian, XXXX and XXXX are in receipt of my demand and complaint as of XX/XX/2023.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: IN
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 15 USC 1681. 

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 explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. XXXX is reporting the last payment date as XX/XX/2021, but Equifax is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX  Is reporting on XXXX that there is 0 late payments and on Equifax it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM. 

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED

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 2023-03-04
Company: EQUIFAX, INC.
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: 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 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL
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 called the XXXX XXXX XXXX, managed by the National Consumer Telecom & Utility Exchange ( run by XXXX ) to place a security freeze on my XXXX XXXX XXXX data report. They said that they could not locate my personal information. I am very worried that some crook could use my XXXX XXXX XXXX data report to open credit in my name, without my authorization, because of the horrendous, enormous XXXX   security breach earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.

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 2023-09-11
Company: BARCLAYS BANK DELAWARE
State: KY
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: Problem with personal statement of dispute

Complaint:
Barclays account : They had derogatory marks on a credit card that shouldnt have back in XXXX. They are stating they closed it but the card was paid in full. Its showing on all three credit reports as still derogatory. I attempted to fix it with them and they stated there were no issues. As I told them it was still on my credit report, they left me on the phone for 2 hrs and can not send me anything because I dont have the same address from 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 2018-09-06
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received yesterday a notification from Movement Mortgage to myself and my XXXX yr old son that there has been a data breach and that our information has or might have been compromised. My problem with this is that neither my XXXXyr old son or myself have ever applied for a mortgage with Movement Mortgage. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have always done my mortgages thru my bank. I am very concerned that they have any information on me and extremely concerned that they have information on my XXXXyr old son.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2020-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Information belongs to someone else

Complaint:
I have called you guys back and left a voicemail since you guys been trying to called me and yes i did left you guys a voicemail, and i'm not sure why This credit card company isn't calling me back anymore when i'm trying to reach out to you guys ... ... and now they are re charging these frad transaction back to my account and when it clearly stated that we as a customer shouldn't be responsible for these transaction but usaa aren't doing their job!! USAA needs to keep their word and do a better job, who ever handling this situation isn't doing a good job. nobody should bank with this company if they are acting like this ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Commonwealth Financial Systems, Inc.
State: DC
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:
I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I attempted to use my pre-paid AMEX gift card ( {$500.00} ) for XXXX purchases several times ( XXXX and again on XXXX ). I was trying to reload my XXXX gift card with ( {$500.00} ). Ive done this before with gift cards with no issues. It would take hours to process and then fail. I contacted XXXX and they said it is being declined ( XXXX ). I contacted AMEX ( XXXX ). After hours I was told that the card doesn't work for online retailers like XXXX, XXXX, etc. Doing some research it appears this is because of a billing address issue. AMEX is is checking the billing address for the transaction. I can not set, or see the billing address set on the card, so the transaction for online retailers fail.

Company response to consumer: Closed with monetary relief