BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Medical Bill from XXXX XXXX for {$270.00} - date of service is XX/XX/XXXX. 

XXXX XXXX did not bill both of my insurance providers- XXXX XXXX and Medicare, which caused a negative collection item on my credit reports. 

My XXXX XXXX ( XXXX ) coverage is through my wife 's employer at XXXX XXXX. The process is that XXXX XXXX or any provider should bill XXXX first ( since XXXX XXXX has more than $ 100K employees ) and once payment from XXXX is received, the provider needs to submit the amount XXXX paid and any remaining balance to XXXX for payment. 

XXXX XXXX did not follow the proper billing process in over a year since I sought treatment at XXXX XXXX in XX/XX/XXXX. I did not receive any bills or calls to collect payment from XXXX XXXX or XXXX until I called both of them in XXXX XXXX. 

So, I discovered that XXXX XXXX engaged a collection agency, XXXX XXXX XXXX ( XXXX ) to request payment for {$270.00}. I learned of this action in XX/XX/XXXX through a credit reporting alert from Experian. This bill for {$270.00} is showing as a negative, collection debt on my credit reports. 

I would like this item removed from all applicable credit reporting agencies immediately under my name as the provider, XXXX XXXX and XXXX, did not follow the appropriate billing procedures.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CXXXX XXXX Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

4.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report.

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 2023-11-08
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely 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 2023-03-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I received an emailed about my information being in the Equifax 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 : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
You all reported a late payment Credit transactions are exempt from being reported to damage consumers. 

See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus This is an {$1000.00} violation charge for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this is not a duplicate complaint. the other one was for XX/XX/XXXX not XXXX. experian and XX/XX/XXXX they that they have information on my credit report of XXXX as past due {$60.00} 60 days and owe {$1100.00} when that was reported as fraud and XXXX fraud dept said removed that and then XX/XX/2020 find out they are reporting past due on my credit report. want the past due 60 days {$60.00} taken off right away and put the account to {$0.00} balance due. 
i tried to get this removed since it was fraud by fair act 604 but credit report company wont remove it so i want it fixed so its not past due. i will take this to court matters if this is not fixed and sue XXXX and the credit reporting companies experian and transunion that put this on my report for destroying my credit as it has ruined my credit in the last year with them putting this XXXX on my credit report as being 60 days late and i lost credit cards and got denied loans because of them putting this on my report as 60 days late when it was fraud. remove the {$60.00} and 60 days late off to fix this problem on my credit report so i can get a loan. i had perfect credit never late on none of my bills until XXXX destroyed my credit. Hackers have stolen data from thousands of XXXX customers in the US, the bank has confirmed. The breach exposed the names of customers, account numbers and contact information

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 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
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:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-04-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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 make autopay payments on my American Express Delta card. I made an auto payment of {$500.00} on XX/XX/2023 for my XXXX monthly statement. After making my XXXX payment, American Express auto debited my entire remaining statement balance of {$11000.00}. When I called Amex to report this error since I had already paid {$500.00} for the month of XXXX, they issued a refund of {$9500.00}. Amex then issued another auto debit on my account for {$11000.00} on XX/XX/XXXX, and for the same amounts on XX/XX/XXXX and then again on XX/XX/XXXX. When I called Amex AGAIN, the rep told me that they had NO ability to STOP Autopayments!! They told me to call my bank and get a stop payment to stop the Autopay retry. My bank charged me {$30.00} to issue the stop payment on the Autopay amount. Amex then added the Autopay charge of {$11000.00} back to my credit card as if I had made a purchase in the amount of {$11000.00}. My original credit card balance at the beginning of XXXX was {$11000.00}. Since Amex issued a FRAUDULENT CHARGE OF {$11000.00} on XX/XX/2023, my balance DOUBLED to {$22000.00}! The FRAUDULENT CHARGE is NOT the result of any purchase, but solely due to Amex 's error. I have called Amex multiple times to correct this error and they have REFUSED to respond or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 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 2023-12-02
Company: EQUIFAX, INC.
State: FL
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 12th 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with a buisness while I was actively working, to date I have been out of work due to this horrific COVID19 virus, not sure when we will be able to work, i am a XXXX  that does XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX  and it does require us to go on the inside of the homes. I took this loan out XX/XX/XXXX, I called them as soon as I wsa laid off around XX/XX/XXXX or XXXX, I asked them if we could please make a deferrment or allow me a forebearnce. I also told them I was not quite sure when I woudl get back to work as for the information I had recieved, i was goinng to have troulble making alot of bills, wasnt quite sure what to do but hoping they would umderstand what out President had mentioned and little understanding. Im not home due to a lack of not tryihng, I would like to have a deferrment or do away with the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this is not a duplicate complaint. the other one was for XX/XX/XXXXnot XXXX. XX/XX/XXXX and transunion they that they have information on my credit report of XXXX as past due {$60.00} 60 days and owe {$1100.00} when that was reported as fraud and XXXX fraud dept said removed that and then XX/XX/2020 find out they are reporting past due on my credit report. want the past due 60 days {$60.00} taken off right away and put the account to {$0.00} balance due. 
i tried to get this removed since it was fraud by fair act 604 but credit report company wont remove it so i want it fixed so its not past due. i will take this to court matters if this is not fixed and sue XXXX and the credit reporting companies XX/XX/XXXX and transunion that put this on my report for destroying my credit as it has ruined my credit in the last year with them putting this XXXX on my credit report as being 60 days late and i lost credit cards and got denied loans because of them putting this on my report as 60 days late when it was fraud. remove the {$60.00} and 60 days late off to fix this problem on my credit report so i can get a loan. i had perfect credit never late on none of my bills until XXXX destroyed my credit. Hackers have stolen data from thousands of XXXX customers in the US, the bank has confirmed. The breach exposed the names of customers, account numbers and contact information

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 2023-04-01
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX Lviv funding sent legal order to my business account at XXXX XXXX bank for a personal credit card debt. The judgment was issued was issued XX/XX/XXXX before I started my business. I have a personal account at XXXX bank but the collection company sent the legal order to my llc account for a personal debt. I asked XXXX XXXX legal order team to send me a copy of the legal order XX/XX/XXXX I still have not gotten it. They also told me I could get it from the branch but the branch would not give it to me. I called the collection company and explained to them that they took money from my XXXX account not my personal account and was told they could. I am not XXXX XXXX XXXX XXXX XXXX XXXX  my wife is XXXX XXXX XXXX  but not on the bank account the collection company also took money from a person that does not owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
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:
My current legal name is XXXX XXXX, and my current occupation is Caregiver. I am presently XXXX years old, and my current address of residence is XXXX XXXX XXXX, XXXX XXXX, California XXXX. MY CITI card account XXXX XXXX XXXX XXXX was used by not me in 2018 WITHOUT MY AUTHORIZATION. THAT WAS A FRAUD. 
I, XXXX XXXX ( " Affiant '' ), who first being duly sworn according to law, does depose and state : That fraudulent transaction ( s ) ( original or certified copy attached hereto ) was not endorsed, signed, authorized, ratified, either expressly or by implication, by Affiant or with the Affiant 's knowledge or consent. Affiant did not receive or retain any benefit or value from the transaction ( s ), either directly or indirectly.

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 2023-03-10
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX has placed a derogatory account on my credit report in the amount of {$830.00}. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX through XX/XX/XXXX I had numerous transactions adding money from my chime added to my cash app.within a minute of it being added my funds would be gone and cash app I canceled my card which I still don't have so it's impossible I made any transactionskeeps saying it's because transactions I made within XX/XX/XXXX to XX/XX/XXXX that I did not have funds and they covered it and that this happened because of their glitch so all the money they took is legit.but no it's not I added over XXXX on my cash app each day in question I had the funds.when I call cash app they say a manager will email and all that is is a auto generated email saying the funds taken reflect the right amount and each time you call they tell you there aware of a new glitch.its been 3 glitches since this has happened that was my rent money my tithes my utilities everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Fair Credit Reporting act XXXX  Formerly XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 ( a ) States I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This company furnished inaccurate information on my credit report. They marked my account as a charge/off cancelled debt but still updating my account as payments are being made. This is a violation. According to the IRS charge/off or closed accounts of {$600.00} or more is considered cancelled debt or forgiven. They must send me a IRS form 1099C but I still have not received one and they are still in violation of my consumer rights by furnishing inaccurate items on my report without my consent. They have been put on notice that the information is incorrect and yet they still violated my rights by updating and furnishing this on my consumer profile. TransUnion has the duty to ensure everything is accurate and if a person has reason to believe that the information is inaccurate by Law they are not allowed to place anything on the consumer report. 

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action. CC : Attorney General 's Office CC 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