BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
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 writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation.

Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XX/XX/XXXX, XX/XX/XXXXXXXX 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 2023-11-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the XXXX period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Somebody sent me XXXX dollars by XXXX in bank of america ... i received a text it was in my account but never that money get in ... never

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy Cash keeps calling me. I have blocked speedy cash but they find a way to my voice mail and leave a message saying " This is a courtesy call from speedy cash ''. 
I have contacted them numerous times and explained that they have the wrong person and phone number. I have never been nor will ever be a customer of speedy cash. they say they will stop calling me then in a month start calling again. I have filed complaints with the do not call list and FCC. this never stops with these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Saturday night ( XX/XX/23 ) I was enjoying a musical with my family and had my notifications silenced. At the conclusion of the musical I was checking my email and noticed I had an email saying that my new NetSpend account had been set up with alerts, a bank account had been linked. This scared me so I immediately called the number on the email XXXX. I was unable to speak to anyone and there were no options for a fraud line. Thus, I followed up with an email to them to notify them that this was a fraudulent account. I received an email saying that they weren't able to locate my account with the information given. This, to me, shows a clear lack of security protocols in place. If a company sends an email, and asks " If you did not do XXXX  please email [ provided email address ] '' and then doesn't do anything about it when you actually try and warn them that there is fraud taking place seems unethical and negligent.

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 2019-01-03
Company: BB&T CORPORATION
State: FL
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:
Regional Acceptance-XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Dear CFPB, I am XXXX XXXX. My email address is XXXX. My phone number is XXXX. My wife and me took two cruises with XXXX XXXX from XX/XX/2018 to XX/XX/2018. I used HSBC credit card. This is a copy of my ship card. ( See attachment ) I got a bill from HSBC, they requested me to pay {$410.00} to XXXX XXXX and {$150.00} to XXXX XXXX XXXX. ( See attachment ) I paid them, but I filled out a dispute form. ( See attachment ) I got a letter with HSBC, they said " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. '' I wrote a complaint to you. Please help me to refund back my money {$150.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX  See Attached Documents. This corporation is in violation.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-08-07
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing late payments on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
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:
I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last 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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2022-12-23
Company: EQUIFAX, INC.
State: TX
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

Account name : XXXX XXXX University : Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX : Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX/Dept of ED : Account # XXXX Account name : XXXX XXXX Account # XXXX 15 U.S.C . 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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 and other adverse items 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 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent requests to Experian, XXXX and XXXX in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MI
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 checked my credit report and have a late payment reporting from XXXXXXXX XXXX XXXX XXXXXXXX i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am in deferment pending my next class in XX/XX/2018. I have repeatedly informed XXXX XXXX that I will begin classes and have been assured that I am deferment until then. I also keep getting notifications thats I am behind on my payments. When I call they are complete unhelpful and driven to force payments I do not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
A dispute was submitted to Experian mailed certified mail XXXX tracking XXXX. I received an email from Experian refusing to investigate this issue and advising that I did not send the disputes, which is incorrect. I mailed these disputes off, I've provided my ID, bank statement, and XXXX to verify my identity. Attached is a copy of the tracking and the email I've received from Experian. According to the tracking, the dispute was delivered. According to the Fair Credit Reporting Act inaccurate, or unverifiable information must be removed or corrected, within 30 days. Not doing so, is a violation of FCRA.

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 2022-12-23
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/22 report # XXXX - This company, CREDIT COLLECTION SERVICES stated they couldn't locate this debt. They have also VIOLATED FDCPA by not sending out proper notices required by law to my address to inform me of this alleged/unknown debt. Instead, they reported it to the credit reporting agencies which has damaged my credit and has gotten me denied for a home loan. This account was in collection activity, and they still reported it. That's also a violation of FDCPA. This company have broken various laws. Each law broken is {$1000.00} each. I have attached my ID as proof of residence and also proof that this company stated THEY COULD NOT LOCATE THIS ACCOUNT when in fact it was on my credit. It doesn't make sense for me to 'provide '' proof of this alleged debt to your company if your the one that is reporting it? 

I have added XXXX and XXXX on this letter because they are in violation for allowing this company to REPORT INACCURATE INFORMATION. THESE CRA 'S didn't run a proper investigation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions.

Sent certified mail to XXXX, XXXX, and Experian. Sent Certified Mail on 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 2022-12-23
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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
*XXXX XXXX XXXX  Balance : {$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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reinvestigated my credit report, there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable accounts 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 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 2019-01-03
Company: PROVIDENT FUNDING ASSOCIATES
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I usually make payment my self and never been late on payments. 
This year my wife is not working and XXXX was close, I have XXXX kids and trying to make happy every one on this XXXX. 
Month of XX/XX/2018 was last day to make the payment and I very busy at work till XXXX : XXXX   and got my paycheck. 
I submitted my payment on last day after XXXX : XXXX .They are saying you made this payment after work hrs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized the creation of these accounts and believe they are potentially fraudulent.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: GA
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 explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: MO
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:
My experian account is so XXXX up, double bank accounts of the same account, 15 accounts that need attention

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