BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX, Experian, and XXXX  continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( XXXX  and Experian XXXX, and XXXX XXXX XXXX ( Experian, XXXX, and XXXX  XXXX still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from XXXX, Experian, and XXXX  in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All XXXX credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from XXXX showing deletion of XXXX XXXX XXXX XXXX Account # XXXX and 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 2021-11-08
Company: EQUIFAX, INC.
State: MA
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:
I have auto pay with XXXX XXXX. I had the money taken out of my account, but they put the money back in my account. I had fraud done in my account and I had money taken out that was unjustified. XXXX told me that my payment was made on their site, so I never went to make the payment after. I then straightened out the fraud charges on my XXXX XXXX checking account, but XXXX XXXX still gave me a late payment. Im not sure why I got the late payment and I was not notified that the payment didnt go through. I just want the late payment forgiven. I got autopay to avoid late payments. Im not sure why the site told me I paid when my payment was collected and then added back into my account. It seems like a computer problem on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: NCS, Inc
State: IL
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:
Dear XXXX, In the results of your Third investigation, you stated in writing that you verified that this item ( XXXX  XXXX ) ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX  XXXX XXXX  ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX  provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX XXXX report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ;

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Square Inc
State: NV
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:
I'm reached out to cadhapp sinceXX/XX/2020, they have not resolved my situation after they said they will work with my bank & have not resolved anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 closed a bank account in XX/XX/XXXX not realizing a rarely used credit card ( Bank of America ) was still connected to the account. I was enrolled in Bank of Americas email alert notification system which I thought would alert me to any problems with my account. I had this account over 20 years. 

I received BOA email messages in XXXX and XXXX they had received an automatic payment for both of those months. That was not the case and due to two late payments my card was canceled. I never received any email notice from BOA there was anything wrong with the account in fact they said 'Payment received '. I found there was a problem through another credit monitoring agency I use. SEE ATTACHED EMAIL ALERTS I contacted Bank of America XX/XX/XXXX. They would not help with the late payments already on the account. I wanted to close out the balance and card on that date. They initially told me 100.00 which I paid but then I asked them about any accumulated interest to that date. The gave me another figure of XXXX which I also paid. PLEASE SEE CREDIT CARD ATTACHMENT FOR THOSE TWO PAYMENTS. 

At that point I considered the account closed but unbeknownst to me they calculated the interest incorrectly and I had another 90 cents still in accumulated interest. The card was not closed XX/XX/XXXX when I paid off the balance but another 90-day late fee was reported in XXXX which I was again alerted to by an outside agency. I paid the XXXX cents XX/XX/XXXX. SEE ATTACHED CREDIT CARD STATEMENT FOR THIS PAYMENT. 

First I tried to dispute it myself. The current system is the credit card company gets to decide if it made a mistake or not. Surprise! They found in their favor! 

I hired at attorney firm XXXX XXXX XXXX and XXXX ) who sent repeated letters to BOA regarding these errors. BOA did not reply or correct the error. They then contacted the reporting agencies who also did not respond. They have tried for over a year to correct this error. My credit score dropped from over 800 over 100 points. 

I have no recourse. I am turning to the Consumer Protection Agency as a last resort. 

XXXX XXXX CONTACT INFO : Direct : ( XXXX ) XXXX XXXX Personal : ( XXXX ) XXXX Office : ( XXXX ) XXXX Facsimile : ( 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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-28
Company: NPAS, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving debt collection notices from NPAS Solutions LLC. 
There is a number XXXX to call. But when I call this number they say this is not correct number. 

The debt is about a Medical Bill from XXXX XXXX XXXX XXXX for {XXXX} ( service date XX/XX/2020 ). Which they say I need to pay. Although this bill should have to gone to my insurance company. They did not sent it to insurance company even though I provided them with my insurance information. Now they say then can not send it to the insurance company because it is very old. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Citizens Financial have allowed a Fraudulent lien on the Home Title. We have NO Business with XXXX. This is the second Mortgage type Fraud, their Lawyer XXXX XXXX XXXX XXXX, XXXX. supposedly cleared the last fraud for Fed lawsuit I filed & Won 1:18-cv-09226 [ XXXX settlement signed XXXX XXXX in court. NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: OK
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 attempted to amend the past due balance and also clear the past missed payments Account is charged off and have not had success getting an resolution

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 2022-11-11
Company: Experian Information Solutions Inc.
State: OH
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:
ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX  XXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX  XXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH XXXX, EXPERIAN AND XXXX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY XXXX XXXX DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY XXXX XXXX AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.

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 2022-10-07
Company: CITIBANK, N.A.
State: SC
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:
I used my Costco XXXX XXXX credit card ( issued by Citibank ) to book the flight ticket ( cost is {$6200.00} ) through a travel agent on XX/XX/XXXX. Two days after my booking date ( XX/XX/XXXX ), another transaction for the same ticket cost ( {$6200.00} ) did happen. I noticed this on XX/XX/XXXX and reached out to the travel agent ( XXXX XXXX ) and they told they will work with the airlines ( XXXX ) as its a technical glitch in the airlines system. I also reached out to the Citibank on the same day and raised a dispute and the system offered conditional credit immediately. There was no update from the travel agent nor the bank for the next few days. 

All of the sudden, bank reversed the conditional credit stating no supporting documents were provided ( on XX/XX/XXXX ). Bank did not send any communication in the first place, though the call center agents claim otherwise. Then I shared all the supporting documents including the credit card statement showing duplicate charge, flight ticket, email conversation with the travel agent in which the agent agreed that it is a duplicate charge. Even after four emails to the dispute department of the bank and three calls to their customer care and multiple escalations, conditional credit is not put in place though they acknowledge that they received the information via email. Due to this, my credit score has dropped badly ( stating high card usage, though I didn't use that amount technically. Note : I have paid the actual ticket cost in full to the bank ). Citibank dispute department has not acted on the dispute ever since it was opened.

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 2023-04-27
Company: EQUIFAX, 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 NEVER GAVE ANY CONSUMR REPORTING AGENCY OR ANYONE WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT OR USE MY CREDIT INFORMATION WHICH VIOLATES MY RIGHTS AS FEDERAL PROTECED CONSUMER. NO CONSENT IS IDENTITY THEFT UNDER, 15 U.S CODE 1681B. 

EQUIFAX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX Breached its contract and that Breach resulted in the alleged debt of {$470.00}. 

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders. 

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights. 

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending. 

SourceRm XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: MD
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:
XXXX - Refuse to remove items off of my credit report that does not belong to me. I have utilized their very own system from fraud alerts because I am a victim of identity theft XXXX  XXXX XXXX Report XXXX XXXX XXXX its reporting by data furnished but anybody that use a social security will in a data furnished. Make it make sense also have a FTC report XXXX XXXX XXXX  reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 

EQUIFAX XXXX XXXX XXXX reporting XXXX acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Please proved that I lived, show me the lease and I will pay you! I never lived in this apartment where this gas was associated with also have FTC report These reporting agencies are breaking not XXXX, not XXXX but multiple FCRA laws and they are not in compliance. 
The inaccuracies on the report alone is ridiculous. This is very much against the law If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX 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. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Account information incorrect

Complaint:
I recently pulled my credit report and noticed that you are reporting against the FCRA standards. How can Ipossibly owe two balances from two companies for one account? Please explain to me how I owe this debt to two people? It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts.You have been reporting this error on my account damaging my credit. 

Please delete BOTH of these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 

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 2022-02-01
Company: EQUIFAX, INC.
State: PA
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:
I, XXXX XXXX, assist my mother, XXXX XXXX, as her advocate in matters related to technology ( generally ) and most recently with regards to an ongoing identity theft issue and FCRA violations with XXXX XXXX . 
On XX/XX/2022 she and I submitted a complaint through the PA Attorney General 's office. As part of that complaint, multiple documents were attached as supporting data, including documentation that the fraudulent XXXX XXXX account was paid for by a XXXX XXXXXXXX XXXX corporate/business account issued to the thief -- XXXX XXXX -- through and/or for his employer, XXXX XXXX XXXX firm XXXX XXXX XXXX, PA . 

After submitting this claim, I, XXXX XXXX, received several notifications from Equifax credit monitoring on XXXX that my own XXXX XXXX XXXX credit card accounts -- which are completely unrelated to those formerly owned/used by XXXX XXXX , identity theft -- were now listed as " consumer disputes -- reinvestigation in process ''. 

As I have never had any issues with my own personal XXXX XXXXXXXX XXXX cards, I thought this strange and called Equifax ( spoke with representative named XXXX  ) who proceeded to inform me that as of XXXX XXXX XXXX initiated an investigation into my own personal XXXX  XXXX  XXXX accounts and placed the " consumer disputes -- reinvestigation in process '' wording on my credit report. 

I have never had a XXXX XXXX card. I have never paid for a XXXX XXXX card. I am not a customer of XXXX XXXX. I have never initiated an investigation for myself on any account. What I am, is an advocate for my elderly mother whose credit has been destroyed by XXXX XXXX . I have literally no financial ties to XXXX XXXX , so you can imagine my dismay at knowing that XXXX XXXX was able to access my credit file for their own investigative purposes and place commentary on XXXX of my XXXX XXXX XXXXXXXX accounts XXXX This practice seems dubious and highly illegal... 

Attached here are the Equifax notifications I received for my own two XXXX  XXXX XXXX accounts, along with the " consumer dispute '' statements placed on both of them in my credit file. 

Sincerely, XXXX XXXX, MD

Company response to consumer: Closed with explanation