BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I sent letters XX/XX/2023, to the credit bureaus asking them to validate an account on my consumer report. And they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the consumer reports even after they did the thorough research. 

The status updates are inaccurate, the Balances are inaccurate ect. 

Account : XXXX XXXX XXXX # XXXX In accordance with the Fair Credit reporting act XXXX Account XXXX XXXX XXXX # XXXX has violated my right.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Lewis, McDonnell & Associates
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on LEWIS MCDONNELL & ASSO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2022-04-19
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a call from a company claiming to be representing Check N Go stating that I had an outstanding loan that was taken out in XXXX of XXXX and that they are calling to collect the debt. This is totally bogas. It is XXXX and in 6 years this is when they start calling me. I have never heard of this check n go company before. They called me today XX/XX/XXXX from a Utah number. I dont know what is going on and it troubles me and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND ALL THREE OF MY CREDIT BUREAUS XXXX, EXPERIAN, AND XXXX HAVE BEEN SENT A COPY OF MY POLICE REPORT FOR THE IDENTITY THEFT NUMEROUS TIMES AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT ITEMS, THE LATENESSESS THAT WERE CAUSED BY THE FRAUDULENT ITEMS, THE FRAUDULENT INQUIRIES, ECT ... I HAVE SENT THEM THE POLICE REPORT, THE FCRA 605B STATING THEY MUST BE REMOVED WITHIN 4 BUSINESS DAYS, A COPY OF THE FTC REPORT OF THE ID THEFT, A COPY OF MY CREDIT BUREAU REPORT WITH THE ITEMS THAT ARE FRAUD CIRCLED, A COPY OF MY ID AND BILLS TO PROVE ADDRESS, AND THIS HAS GONE ON FOR THE PAST YEAR AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT ITEMS AS DIRECTED BY ME AS FRAUD, IT HAS DIRECTLY AFFECTED ME GETTING LOANS AND ECT. IF THEY ARE NOT REMOVED AND MY SCORES ARE NOT ADJUSTED PROMPTLY I WILL HAVE TO HIRE AN ATTORNEY AND TAKE ALL BUREAUS TO COURT.

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 2023-07-30
Company: Experian Information Solutions Inc.
State: NY
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:
Experian continue to share my personal information with a 3rd party collection agency call XXXX XXXX since 2021 and everytime I use this site to make a complaint experian retaliate by inputting incorrect information on my credit report. I have screenshots of experian deleting inquiries of XXXX XXXX  whom I never gave permission to look at my account. Experian also listed 4 of ny accounts as potentially negative in retaliation of me reporting them. They deleted my social and took information from a mortgage lender by listing my child as my spouse. They are purposely interfering with the process of a potential mortgage lender by disclosing inaccurate information and at times locking credit profile from lender. This is being done simultaneously on a day to day basis for almost two weeks

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 2023-11-01
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from the debt collector ( IQ Data ) on XX/XX/23. They advised I owed {$370.00} for the XXXX XXXX XXXXXXXX XXXX apartment complex. I informed them the debt amount was false and the bill in question was paid for nearly a year prior. I was informed by the apartment I owed {$31.00} at move out and paid that amount via check. I even had further communication with the apartment complex where they in writing told me I owed nothing. I also reached out to the apartment complex after receiving the call from the debt collector and the apartment complex told me in writing it was a mistake and I did not owe the money. The debt collector asked that I send the proof to them via email and they'd take care of it. I have since sent follow up emails and called them to see if the items were received and they either don't respond or tell me the person who could tell me isn't available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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: 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. 

Account name : XXXX  Account # XXXX, Account name : XXXX  Account # XXXX, Account XXXX XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account XXXX : XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX  XXXX  Account # XXXX, have all 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 2023-06-22
Company: EQUIFAX, 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'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Ad Astra Recovery Services Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a loan from a XXXX XXXX place that i paid back and somehow they reported it and sold a loan amount to a collection company only now it is twice as much. I have attempted to get the company to confirm the debt and where the charges are coming from as well as show the payment that i made but it it has not helped. Please help me as this is doing extreme damage to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I signed up for the Chase Southwest Rapid Rewards Premier Card under a promotional offer for XXXX bonus points as long as {$2000.00} or more was spent during the first three months. On XX/XX/XXXX I was approved for a card. The promotional offer was being run for the entire month of XX/XX/XXXX ( a cursory internet search confirms this -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I spent over the required limit within those three months and assumed that my points were accurately credited. Today, XX/XX/XXXX, I checked my points balance for the first time in the process of attempting to book a flight using points, and realized I only received XXXX points. I am a XXXX XXXX and traveling is something I do infrequently which is why I had n't noticed until now. I called Chase to try and figure out what happened. I was told by both a customer service rep and an account specialist ( AS ) that I was signed up for a different offer ( $ 1000+ spending in three months for XXXXpts ) and that I was not entitled to the XXXX points. I specifically signed up for this card for the XXXXpts offer being run ; the website promotional banners on the page at the time indicated that I the card I was signing up for had a XXXXpts promotion. The AS confirmed that the special was being run during the time I signed up for my card but that it was " past the 90 days to change the offer attached to the card ''. I asked the AS why I would intentionally choose to receive half the points if : ( 1 ) I spent enough to qualify for the larger offer and ( 2 ) if the XXXX point offer was even being run at the time since their was a better deal available. The AS said that unless I had screenshots of the sign-up page from the time I signed-up ( Who would even do that? ) there 's nothing to be done and I will not get a different answer from anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: TN
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:
1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt. 

so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges. 

on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services. 

the debt that is on my credit report does not have a signature associated with this debt as well. 

even with no signature and the debt blatantly addidng extra charges and fees the credit bureau XXXX and experian still reported this on my credit report. 

how can they have investigated this debt to be true without a signature or original amount. 

experian and XXXX has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from opprotunity financial for being able to report it. 

these three companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these three are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own 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 2023-02-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A XXXX doctor is reporting the debt from an XXXX  visit to a public hospital. XXXX credit collection purchased the debt but has refused to provide proof that the debt belongs to me. I am attempting to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 explanation
Consumer complaint received 2023-07-30
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received this notification twice this year, the first time I won the case, thus case was close successfully. Some months later, I have received the same collection agency again, alleging the same, and I have said the same, I dont own this debt, is not my account, I think is a identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
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: Information belongs to someone else

Complaint:
See Attached

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 
My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}

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 2021-11-29
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I openend an account with Binance US to purchase XXXX ( XXXX ) When I try to withdraw my funds, they keep saying the funds are not available and are on hold for 10 days. This keeps happening. They are holding my money hostage.

Company response to consumer: Closed with explanation