BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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: Personal information incorrect

Complaint:
I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau XXXX Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report. 

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, 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 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
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 am consumer and I am submitting this complaint without any other party or credit repair organization. Enclosed is a consumer report dated XX/XX/2022 received by Experian as evidence of violation whereby any authorization or approval of a specific extension of credit ( 12 CFR 1002.2 account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report circled in red without consumer consent. I submitted a dispute and several request for XXXX XXXX XXXXXXXX XXXX demanding compliance to the Fair Credit Reporting Act XXXX USC 1681b ( a ) ( XXXX ) instructing XXXX XXXX XXXX to cease furnishing and remove my nonpublic personal information associated with Equal Credit Opportunity Act XXXX XXXX XXXX account per the Gramm Leech Bailey Act 15 USC 6801 and 6802 ( e ) ( XXXX ) from any and all third parties, consumer reporting agencies, to include XXXX, XXXX, Experian. XXXXXXXX XXXX XXXX XXXX has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( XXXX ) revocation and the congressional findings of 15 USC 1681. Enclosed is a consumer report dated XX/XX/2022 received by Experian as evidence of violation whereby any authorization or approval of a specific extension of credit ( 12 CFR 1002.2 account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report. 15 USC 1681a also specifies that a consumer report excludes report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2023-07-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I was checking for a car and the dealership went to different companies and for different cars I didn't approve of. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. 

These are the inquires. 
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  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 2022-11-17
Company: Accscient, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This creditor is violating my right under the fcra law, this account dont belong to me and cant be verified therefore, its hurting my score and is fraudulent

Company response to consumer: Untimely response
Consumer complaint received 2020-02-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Disputed with XXXX several times and they will not remove the ch XXXX bankruptcy that was filed fraudulently docket # XXXX Attorney XXXX XXXX XXXX filing date of XXXX and dismiss date XXXX. I have sent the documents several times and the investigation does nothing. 
I would appreciate immediate help I can get on this matter as it has caused a lot of anguish and stress for my husband and me. 
The address is also wrong on the bankruptcy filing it is not on any credit reports. This should be enough for the removal but unfortunately they did not resolve and remove this. 

I'm also attaching the actual court documents from XX/XX/2019. This public record is complete fraud and totally out of compliance with the FCRA.

MY Social Security XXXX Birth Date : 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 2018-08-29
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:
I recently pulled a copy of my credit report on-line and found that all 3 credit bureaus are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : XXXX XXXX Account Rating : Charge-Off Balance - {$16000.00} Reason : This account was fraudulently charged {$16000.00}. Please send me all copies of the charges account statements and investigation process including contacts and phone numbers. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I have contacted XXXX XXXX numerous times and never received documentation that these charges were mine. 

I have requested since XX/XX/2017 documentation. Called wrote letters numerous times. I received nothing. While speaking to XXXX XXXX they had a fraudulent home and work address for me. I had to contact them because ; they didnt have my correct phone number. 
Please delete this account immediately. The statue of limitation has been exceeded on asking for documentation from XXXX XXXX and your credit bureau. I have been requesting documentation since XX/XX/2017. 
This account has been sold to over 4 collection agencies and no one has any knowledge of the account activity. The partial account number is inaccurate and is unable to pull anything up. 
Its labeled XXXX XXXX on my credit reports. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Mercedes Benz Financial Services
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received an email with attached letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that I owe them a debt for {$59000.00}. The Original Creditor was Mercedes-Benz Financial Services USA , who previously charged off the alleged debt and reported it as income. I have no contract with XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX and Mercedes-Benz Financial Services USA , about me is in direct violation of my privacy per the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Account status incorrect

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. 

Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX  XXXX #, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX- Installment, Account number : XXXX Account name : XXXX XXXX, Installment, Account number : XXXX Account name : XXXX XXXX , XXXX , Account number : 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2023-12-10
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX XXXX, I took my son XXXX to XXXX XXXX located at XXXX XXXX, XXXXXXXX XXXX  NJ XXXX for a XXXX XXXX I took my son toXXXX XXXX because his XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX retired after takingall my children to him for approximately 30 years. Unfortunately, I was erroneouslyled to believe by XXXX XXXX that I would not receive a bill because they are in networkwith XXXX and they treat patients for urgent AND NON URGENT MATTERS. Sadly, XXXXXXXX XXXX is trying to be slick by INTENTIONALLY billing XXXX at an urgent care rateknowing that XXXX is not going to pay because a physical is not an urgent matter.XXXX  may have paid XXXX XXXX approximately {$60.00} IF, XXXXXXXX XXXX had billed themcorrectly because they are in network and have a contractually agreed upon setprice. XXXX is culpable too. XXXX is aware XXXX XXXX wrongdoing because I notifiedthem of the crime that XXXX XXXX committed to complain about the billing and XXXXTRIED to use an excuse by stating that XXXX XXXX  is an XXXX XXXX faculty. However, XXXX is INTENTIONALLY IGNORING the fact that XXXX XXXX treats urgent and NON -URGENT matters so they would not have to pay any bill. Therefore, XXXX shouldhave advised XXXX XXXX  to correct their erroneous billing and XXXX should have paidtheir contractually agreed upon set-rate of approximately {$60.00}. XXXXXXXX XXXX  is inNetwork with XXXX. A XXXX  IS NOT an urgent matter and XXXX XXXX DECEIVEDthe subscriber into believing that he would not be billed because XXXX XXXX treat/seesurgent and non-urgent patients and a XXXX is not an urgent matter, however XXXX is trying to be slick and deceive XXXX and the subscriber by billing XXXX as if XXXX is an urgent matter so that they increase their profits! This is criminal! Now, the FAKE bill has been sold to Simon 's Agency Inc., this is criminal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Apothaker & Associates, PC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
APOTHAKER, SCIAN OBTAINED A JUDGEMENT FOR XXXX CREDIT CARDS, i have been paying agreed amount for about 6 years and i noticed that they added a XXXX $ fee for every payment made. i still owe about XXXX total on debt, they never informed me from the beginning there would be a fee added. i pay XXXX $ per acct a month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I was approved by a XXXX XXXX the Landlord to move-in to a house that I later discovered that was not his. From the XXXX to the XXXX I sent four daily transaction of {$500.00} through Wells Fargo via XXXX. After I paid an accumulated amount of {$2000.00} I discovered that said Landlord did not own the property. I called XXXX to dispute and/or cancel the transaction they said they could not do anything and that I would have to talk to Wells Fargo. So I called Wells Fargo to disputed and/or cancel the transaction. They said they would start and investigation. Later I received a letter from Wells Fargo stating that the result of the investigation came out negative. They refused to give me any money though the transaction was through their platform.

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 2023-11-17
Company: EQUIFAX, INC.
State: IN
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:
This has been an ongoing effort to communicate with the consumer reporting agencies regarding the deletion of all the invalid items that have been posted on my credit report. There were items that have long been deleted from XXXX and Equifax but XXXX still shows the same item on my files. It's like they're not talking or communicating with each other and I'm under the impression that they are just trying to let me know that they have reached out to the individual creditors, where in fact, they really didn't do it. Coz why can a creditor release different information among these 3 credit bureaus if they're only reporting to one creditoror furnisher, right? Did you get my point here? So, I'm thinking that they're not doing their job efficiently. Some accounts have different declared numbers or digits, amount and date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2020-02-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made on-time payments every month I had the PayPal Mastercard. I recently paid off the card and within a few weeks of the card being paid off, Synchrony Financial closed the account with no warning. First they claimed it was due to inactivity- however the card was last used just in XX/XX/2019. Then they claimed it was due to a random credit review -- even though my current credit score is higher than at any time the card was open. This is shady dealing by a company and it looks like they do it all the time. There was no reason what-so-ever for this card to be 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 2018-07-25
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, The following account has violated my rights : XXXX XXXX XXXX Acct # XXXX XXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.

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 2022-11-17
Company: JNR Adjustment Company, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. This is not my debt. I have a police report as well as filed a complaint with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation