BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NY
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-10-23
Company: EQUIFAX, INC.
State: TX
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:
A request was submitted numerous times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, but I am not liable for this debt with Townhomes of XXXX XXXX for {$15000.00}. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested.

Company response to consumer: In progress
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NY
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:
They still have not fix my issue.

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 2023-07-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On the week of XX/XX/2023 American Express called my husband who has filed for divorce from me several times throughout the week trying to collect {$300.00} from me that is merely only XXXX  month past due. 

American Express does not have my husbands phone number on my file. They went to the internet to search for his phone number and are now calling him nonstop. 

This must be illegal. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Nelson Cruz & Associates LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company lied and said they mailed me documentation of the debt to address on file over 45 days ago. By law they are supposed to provide that information and never did. When I asked for more information in order to see exactly where the debt is from they did not give it to me. On XX/XX/29 I called to get the information the CFPB said Nelson and Cruz had to provide. They did not provide the information and over talked me! I do not owe this debt and they refuse to provide me the correct information to get this corrected! This is illegal! The person also threatened that he is a paralegal trying to intimidate me. They never sent me anything about this debt before putting it on my credit report and will not provide proof so I can file a report. They wont provide me with information if product was picked up or delivered or a signature showing delivery or pick up. The person over talks and kept putting me on hold. Thats harassment. They supposed to sent me something over a month and didnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been dealing with this problem for years tried almost came up I dont know what to do. Im not able to access my credit report online. It comes up with the XXXX XXXX Every time I tried to access it even tried going through different vendors and because I cant get that report from them. It block the other vendors for updating, the rest of them like my XXXX wont update because I cant pull up Equifax Ive tried talking to them. Theyre only able to offer me a physical copy of my Equifax XXXX I paid for all three before and I dont have received all three because Equifax has got me on a code, and they cant do anything representative only like I said, offered me a full copy. I couldnt believe this is happening. I am extremely upset that I can not get a full copy of my report XXXX XXXX, they could only tell me what my credit score was over the phone, but that doesnt fix the current problem. The current problem is that my credit score is not been available for years now.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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:
I am writing to address a matter that has been pending since my initial contact via mail and subsequent complaints filed with the CFPB. Regrettably, despite the passage of several months, I have yet to receive the anticipated resolution from your department regarding the misleading and inaccurate entry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
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:
Experian, XXXX and XXXX allowed XXXX XXXX report an account to my credit without debt validation. XXXX XXXX is fraudulently working with XXXX XXXX for managing this account. Per XXXX XXXX  this account will not be reported to any of my credit file until I receive the requested information that I requested from all parties doing the 30 day debt validation process. XXXX XXXX replied back to The consumer financial protection bureau with a letter stating nothing is reporting on XXXX XXXX XXXX file and it will not report until they furnish me with all the info I requested XXXX I am not sure what games these two companies are playing but I will be filing a lawsuit against them for violating my rights under the Fair Credit Reporting Act. This debt was not fully verified so I will be suing both company XXXX XXXX and XXXX XXXX. I already reached out to my attorney about this issue. I attached the letter from XXXX XXXX whos managing this account but XXXX XXXX is reporting to the credit bureaus. Something is XXXX  and XXXX  in the water but Ill let the judge get to the bottom of it. I will be suing for punitive damages, stress and anxiety. Im a veteran and dealing with this fraudulent activity from both company XXXX XXXX and XXXX XXXX. They both need to be shut down and investigated.

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 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Subject : Formal Complaint Regarding Account Closure and Non-Release of Funds with Bank of America XXXX XXXX XXXX Account I am writing to express my deep concern and to file a formal complaint about the handling of my business account by Bank of America. This letter pertains to the abrupt closure of my company 's account, XXXX XXXX XXXX, and the subsequent issues with the release of our funds. 

**Account Closure and Mismanagement of Funds : ** - XXXX : ** I was informed by Bank of America that they would no longer support my business and decided to close my account at their discretion. No viable reason was provided for this decision. On the same day, I was assured that a cheque for the account balance of {$15000.00} would be mailed to me within 7-10 days. 

**Subsequent Events : ** - Despite the promise made on XX/XX/2023, the cheque was not received within the stipulated time frame. 
- Following this, I made several calls and visits to the bank, only to be given inconsistent and misleading information regarding the status of my account and the release of my funds. 
- As of the date of this letter, the funds remain unreleased, causing significant operational and financial strain to my business. 

**Impact on My Business : ** The sudden closure of my business account and the withholding of funds have left my business in a precarious position. Without a viable business account and access to our funds, our ability to operate efficiently and meet our financial obligations has been severely compromised.

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 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-10-23
Company: EQUIFAX, INC.
State: MD
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:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

3. **Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion Consumer Solutions, has violated, my consumer rights by reporting a fraudulent account ( XXXX XXXX XXXXXXXX XXXX ) under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the account reporting are not authorized by me. TransUnion Consumer Solutions agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer. ( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. At this time the account with XXXX XXXX XXXXXXXX XXXX  continues to reflect on my credit file. I will be sending a notice of intent to sue regarding this account.

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 2023-10-24
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: In progress
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 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 2018-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was out of the USA from XX/XX/XXXX to XX/XX/2018. On XX/XX/XXXX, I found out online, there were many fraudulent transactions on my account, it started on XX/XX/2018. I called the bank right away to report the fraud, hoping that they will stop eight transactions made on XX/XX/XXXX which still on pending. She told me it takes ten business days to investigate the problem, so I wait. To my surprise, a few days later I see that the bank had let all the pending transactions went through regardless of my report fraud on XX/XX/XXXX. This problem happened to my husband 's debit card which he does not know if he has one, because I am the one who take care of banking matter, and we never use debit card to purchase anything from anyone. There is no one knows my husband 's debit card number, not even us but the bank, that makes me think whoever issue this debit card might cause this terrible thing to us. In six different date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The thief had made 24 fraudulent transactions, which some of them happened on the same day at the same place with a large amount of money. I don't see how the bank can overlook many suspicious signs like these?

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 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Company : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) Account Number:XXXX I requesting the Original Consumer Contract with my signature on it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( 5 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone could fax, mail, or email in fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the account listed above. Under the FCRA, unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. 

Promptly DELETE all information if you are unable to provide me a copy of my request.

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 2018-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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