BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: DE
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:
I went to get a personal loan from XXXX XXXX  for a used vehicle they have hit my credit multiple times and mutiple dates. Here are the ones that I did not do a inquiry on 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 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 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 2023-05-03
Company: Experian Information Solutions Inc.
State: VA
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 submitted a complaint last XX/XX/XXXX and the companies responded saying they have investigated but there are still a lot of fraudulent items on my credit report. I submitted and complaint again XXXX XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
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.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: MO
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 am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by Experian, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.

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 2024-01-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
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:
THIS ACCOUNT WAS OPEN WITHOUT MY PERMISSION OR CONSENT IM REQUESTING WRITTEN DOCUMENTS STATING THEY HAVE PERMISSION AND SIGNATURE AND CONSENT THAT THIS ACCOUNT WAS OPEN WITH MY CONSENT. REQUESTING TO DELETE/REMOVE PLEASE!! OR {$1000.00} PER ACCOUNT AND INQUIRIES!! 

XXXX XXXX XXXX XXXX OPENED ACCOUNT:XXXX  AMOUNT : {$1800.00} THESE ARE INQUIRIES THAT WAS PULLED WITHOUT MY PERMISSION OR CONSENT PLEASE DELETE/REMOVE OR {$1000.00} PER INQUIRIES!!! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE HELP ME REMOVE THESE FRAUD ACTIVITIES REQUESTING DELETE/REMOVE OR {$1000.00} PER INQUIRIES AND ACCOUNT. THESE ARE THE VIOLATIONS. 

15 USC 1681 Q - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USA 1681 B - A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. 

15 USC 1681 S-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.

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 2022-12-27
Company: Mercedes Benz Financial Services
State: VA
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:
XX/XX/2022, payment of {$710.00}. Reported as a 30 days past due. 

This is my first time requesting the 30 days past due to be removed in my XXXX, XXXX XXXX, and XXXX Credit Bureau Report. It was my oversight that I did not pay on time due to illness and not opening the mails. My payment are up to date and I pay the past due amount. I would appreciate it tremendously if to consider my request. As of today, I am up to date with my payments, and I will be carefully attentive to my bills. 
Thank you so much for your consideration to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ANY AND ALL NEGATIVE REPORTING IS DEFAMATION OF CHARACTER. THIS COMPANY IS NOT AN OFFICIAL GOVERNMENT REPORTING AGENCY. I WILL BE FORCED TO SUE THIS COMPANY IF THEY CONTINUE TO CAUSE HARM TO MY WELL BEING WITH DEFAMATING MY NAME. GIVING FASLE CONSUMER SCORES AND SHARING/SELLING MY INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT. 15 USC 1692 C, I DID NOT GIVE PERMISSION TO BE HARASSED BY YOUR NEGATIVE REPORTING AND SELLING OF MY INFORMATION. THE FAIR CREDIT REPORTING ACT 15 USC 1681 ; STATES REPORTINGS SHOULD PROMOTE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION, ARE MY RIGHTS. YOU HAVE 4 DAYS TO DO WHAT IS FAIR AND EQUITABLE TO ME AS THE CONSUMER AND REMOVE ALL NEGATIVE REPORTING. ALSO HJR 192 STATES THAT I HAVE UNLIMITED CREDIT BACKED BY THE UNITED STATES SO MY CREDIT SCORE SHOULD REFLECT THAT AS WELL.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: LA
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:
There is an account listed on my credit report as " XXXX  '' that shows it was opened in XX/XX/XXXX and closed XX/XX/XXXX. it says that it was charged off and that the company holding the debt can be reached at the phone number : ( XXXX ) XXXX I have contacted XXXXXXXX XXXX  directly as well as the phone number listed on my credit report. Neither have any record of my information or this debt owed. I have given them all of my information, spoken to more than 10 representatives over the course of 2 weeks. I have received no help, and no one has been able to verify this information, what this account is, or tell me why its on my credit report. 

This is a violation of my rights under the fair credit reporting 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 explanation
Consumer complaint received 2023-12-18
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am applying for the Public Service Loan Forgiveness ( PSLF ) program for my XXXXXXXX loans ( at Mohela ) and submitted my final PSLF Employment Certification Form ( ECF ) on XX/XX/XXXX, which covered my employment ( at my current employer ) from XX/XX/XXXX to XX/XX/XXXX. The form was finally processed by Mohela on XX/XX/XXXX, however the monthly counts by Mohela were only updated to XXXX ( it should have been 120 months, which is the amount required for loan forgiveness ). The month that was not counted ( listed as " Employment not certified '' ) was XXXX of XXXX, which should have been certified by the last ECF form submitted. I called Mohela on XX/XX/XXXX about the error and was told that in order for 10/2022 to count they would need an additional employer verification with resubmittal of a new ECF form. I was told the new form would take at least 60 days ( even though I just waited 60+ days for my last ECF ). Despite me asking to speak directly with a supervisor, I was never allowed to do so.

As a result of this error, I will now need to continue paying loan payments despite the fact that I have reached XXXX payments and therefore my loans should be in the process of being forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
3 years ago I was informed by Florida DMV that my personal information has been compromised. The details of the situation are that I apply for a HazMat endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as 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 2023-12-18
Company: Experian Information Solutions Inc.
State: DC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY 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 Balance : {$12000.00}.

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 2024-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received XXXX letters on XX/XX/2023 from Wells Fargo Customer Care. The letters stated that I had been improperly enrolled in two programs without my knowledge or consent. The products were " Wells Fargo Identity Theft Protection '' program and the other was their " Credit Defense Product '' ( They had been ordered by you CFPB and they agreed to pay consumers as part of a plea deal ). I called the telephone number in the letters ( XXXX ). Their representative told me advised me the money that would be paid to me was {$500.00} dollars ( $ XXXX ). They advised me the money would shortly be forthcoming. After waiting XXXX weeks I called back on XX/XX/XXXX and was advised the checks would be received in 30 days from my initial call on XX/XX/XXXX. The checks didn't come and I called again on XX/XX/XXXX and they said their was a XXXX backup. I called again today and they said they could not specify when and transferred me to another Wells Fargo " Executive Office '' telephone number. I spoke to a representative named " XXXX '' who refused to give me her full name from the " Customer Care Executive Office. '' She advised me that the checks would not be made available until sometime in XXXX... probably. I feel that once Wells Fargo is again engaging in unscrupulous refusal to pay an agreed upon debt that they owe.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/23 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance $ XXXX not mine XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX not mine, 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

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 2024-01-12
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Barclays bank Delaware opened a credit card in my name without my knowledge. 
This card was opened on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I've sold some crypto currency using https : XXXX  a peer to peer exchange site. The trade uses a smart contract which automatically sends my money to the trader once I confirm receipt of the funds. 

I made a trade with user XXXX XXXX  '', sent them my zelle email address which is XXXX and they sent me the money which I've received and released the cryptocurrency from the escrow. 

A month later I receive a letter from bank of America who took back the XXXX $ from my account due to some undisclosed dispute by XXXX XXXX XXXX. 

I've contacted bank of America and they say it isn't possible to further dispute, and that they would close my account even if I have trusted history proof of our trade and full conversation transcript and the currency being released on my side. Local cryptos also offered to give them the user 's information. 

Further more, I've contacted local cryptos and they offered to give legal authorities the information on the trade and fraudulent bank user at XXXX This is one of multiple instances, i believe i was targeted by the same user, but since the chargebacks were made months later i didn't realize it was fraud until i lost about XXXX XXXX $ Since then i have been unable to pay my credit cards and bank of america closed my accounts so i can't even access my checkings history properly. 

I've attached all my transcript with the different zelle users as well as my complaints to the 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 monetary relief
Consumer complaint received 2021-10-17
Company: DISCOVER BANK
State: MS
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 company discover added items on my report that I never gave written consent or authorization to be placed on my report. Which is a violation of my consumer rights under 16 U.S.C 1681b ( 2 ). Im having that same issue with Discover and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation