BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This began when I opened my account on XX/XX/2022 and my right to privacy was violated. I never consented to share my non public information. This is considered to be aggravated identity theft under 18 U.S. Code 1028A and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) by BANK OF AMERICA sharing my non public information under false pretensions. 

Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. And the debt collector has not been able to validate the debt per my dispute and request to validate the debt according to FDCPA laws per 1692g

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 2023-12-01
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Victim of scam via Venmo. Venmo does not do enough to protect consumers from scams. Notified Venmo immediately of scam who refused to help and said it was my fault. Contacted XXXXredit union who cancelled ACH transaction to protect against fraud and an authorized transaction. Receiving threatening emails and now a phone call threatening to send me to collections for {$790.00} debt I do not owe. Not my fault Venmo paid scammers and did not protect their customer. Person on phone would not help resolve the issue and demanded I pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: FinCo Services Inc DBA Current
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I filed a dispute for two charges with Current. I previously had money withdrawn from my account with a credit repair company. After further research I canceled the service, no services where received from the credit repair company. Feeling that it was a scam made several attempts both email and phone calls. But to no avail could not make contact with the credit repair company. 
I first filled a dispute in XXXX of 2022 with Current, but no action was taken or dispute was filed. Two months later after calling again to find out what the status was. The person stated that there was no dispute filed. So on XX/XX/2022 a dispute was filed. The resolution date stated a completion of the dispute would be completed after 90 days which would have been XX/XX/2022. After reaching out several times to see what the status was, it still said the dispute is still in review. 
It has now been 3 days past the 90 days and haven't received any response regarding the dispute. The amount that is in dispute is {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: AZ
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 noticed a steep drop in my credit score as a result of a Collection Account that belonged to a company called XXXX XXXX in the amount of {$380.00}. This account was for water delivery services and the rental of a water dispensary system. I stopped water delivery and made arrangements for the water dispenser to be picked up in 2019. The dispenser was picked up and returned back to the company. However, the account was never updated and XXXX XXXX XXXXontinued to try and collect the amount of the water dispenser from me ( {$350.00} XXXX. I have been trying to dispute this with XXXX XXXX for three years, to no avail. Finally, I was tired of having a collection on my account so I just paid the balance, thinking my score would improve. It didn't. Instead, XXXX XXXX still has the account listed as a Collection Item, showing a zero balance and the account closed. Because of this, my score is still unnecessarily weighted down because it shows an outstanding collection item. I have tried to resolve this with XXXX XXXX asking them to remove the collection item. They said they are only obligated to show the account as paid, not change the status from collection. So, after hitting a dead end with them, I filed a dispute with the credit reporting agency Experian - after 30 days - NOTHING CHANGED!!! The account is still showing as an open collection - despite the debt being fully paid. I was hoping that this item would be removed altogether - it wasn't. This is still negatively affecting my score. I want it removed altogether!! There isn't any reason to show it as still in collection - when it clearly is not. 

I have exhausted every possible remedy short of suing Experian and XXXX XXXX for false reporting. 

Please help me get this item removed from my credit reports with all three ( 3 ) bureaus.

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 2020-06-16
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First of all I want to say that CFPB does an amazing job for our country and I'm sure you're helping even more these days with the pandemic going on. 

I'm complaining about a series of mistakes made by Fulton Bank which are preventing access to my money. 

I opened an account with Fulton Bank in XXXX of XXXX. I opened the account with a deposit of {$150.00}, made {$5.00} in debit card purchases, and earned a {$25.00} bonus for a total of {$170.00}. The balance remained at {$170.00} until XXXX. 

I logged in a few weeks ago to close the account and noticed there was over {$2000.00} in it. I determined that someone else had somehow used my account number to link with their XXXX account, and passed verification, evidenced by two small < {$1.00} " verification '' transactions in XX/XX/XXXX. There were many deposits and a few withdrawals. 

I called in, and this is when the unpleasantness began. 

I said I simply want my {$170.00} and don't care about the rest. They said they have to start an investigation. They made me go to a branch on XX/XX/XXXX to sign about 20 forms, one each for the transactions that weren't mine. They said they would get back to me within 24 hours. At that time, I asked if I could withdraw {$170.00} and they said I could not. 

Today ( XX/XX/XXXX ) I got a call asking me to go to a branch and sign the dispute forms. I said not only did I sign them already, I have photocopies, so what are you talking about. The caller seemed confused, then apologetic. That's when I decided I needed to make a complaint. Fulton Bank has been holding on to my money, even knowing that A ) I want it back B ) I'm being 100 % honest about the rest of the money which isn't mine and C ) I have done everything they asked me to do promptly. 

I'm very upset that not only have they allowed improper access to my account, but they have lost the paperwork I went out of my way to sign, and on top of all that are preventing me from accessing my own money. 

I feel like I am being punished for doing the right thing. I can think of multiple other ways I could have handled this situation that would have allowed me immediate access to my money and far fewer headaches and I am very upset with Fulton Bank. 

You may also want to investigate XXXX and how they allowed the account to be " verified. '' Did the other person have access to my bank account? Did they guess correctly? ( 1/1000 chance ) Does XXXX actually ignore that test when allowing linking? Either way I want my money back and I want it ASAP.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX  XXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
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 recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

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 2020-06-16
Company: Advantage Credit, 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:
Re : XXXX Customer Service Center I renewed my XXXX Lease ( traded in XXXX XXXX XXXX  for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with XXXX and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that XXXX would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. 

All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that XXXX handled this situation with any sort of professional due diligence. Had I received a phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: MD
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 XX/XX/20, I reached out to Experian to dispute the information below. I have not received a response. 
1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The status is incorrect for the following account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

On XX/XX/20, Experian replied to a complaint filed with the CFPB stating that the complaint was closed because they did not feel it was filed by me. I submitted copies of my social security card and proof of address. At no point has Experian made an attempt to contact me for any additional information. This response seems to be a stall tactic for them to avoid complying with the law. This is a valid complaint filed by me, and I demand that this complaint be investigated pursuant to section 609 of the Fair Credit Reporting Act, which Experian is currently in violation of. I will forward this complaint and all correspondence to the Maryland State Attorney General for Experian 's violation of this law. 

I have filed three complaints through CFPB for this same issue with Experian.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is currently reporting adverse information on my consumer credit report.in the form of two bankruptcies During the month of XX/XX/XXXX I disputed the accuracy of the information contained in my credit report with Experian, furthermore I provided a letter from the clerk of court stating that the court does not report to credit reporting agencies. 
In spite of the letter from the court. Experian claimed to verify the information. 
During the month of XX/XX/XXXX, I requested a reinvestigation of the accuracy of information, and included the same letter from the clerk of court. 
I also requested from Experian their source of information. Experian never responded to my request and continues to violate the privacy act of 1974 5 U.S.C. 552a ( b ) by disclosing records pertaining to the consumer to any person, or to another agency, without the written request or prior written consent of the consumer In addition Experian continues to violate 15 U.S. Code 1681 ( b ), by furnishing a consumer report without my written instructions Experian 's reporting is inconsistent with the other reporting agencies and inaccurate, which is a violation of 15 U.S. Code 1681 ( a ),

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 2018-03-12
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
With dateXX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the XXXX of XXXX ( see Receipt # 1 ) On XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX  Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by this Agency : A.- AMSHER COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX PH : XXXX and the last report was on XX/XX/. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX receipt cc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX XXXX XXXX XXXX reported that I was over 30 days late on a loan that was closed in XX/XX/2018. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: SC
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 been dealing with identity theft issues for the last several years. A while back I was notified that important information was exposed in the XXXX data breach. I didnt notice anything strange until a few years later when I received another notification about a huge data breach with XXXX. After these events I noticed random inquiries that I supposedly applied for credit with, but this was not me. So I started looking into it and I ordered my credit report. Once I got my report I was able to detect fraudulent information reporting on my credit file. This was definitely fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation