BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the fraudulent items listed here in my complaint are still reporting on my credit report in violation of Federal Law. Credit bureuas failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the following items right away : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : 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 2023-11-02
Company: EQUIFAX, INC.
State: OR
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:
A couple days ago I received a letter in the mail from XXXX XXXX XXXX XXXX. Equifax keeps telling me to contact XXXX XXXX, and it does no good. I do not have any account in my name, address, or Social Security number with XXXX XXXX XXXX. I have attached a letter of proof from XXXX XXXX saying that they can not locate any personal account in my name. Since I have no account with XXXX XXXX Equifax must delete fraudulent inquiry " XXXX XX/XX/2023 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: MD
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 2022-08-11
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Just found out that Synchrony Bank ( PayPal ) filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Trans Union failed to provide an opt-out notice, as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. 

On XX/XX/23, Trans Union received my Notice along with the required personal identification information per 15 USC 1681c-2, requesting that Trans Union remove five ( 5 ) adverse transactions from my consumer credit report. Trans Union failed to comply with the statute and with my requests. 

Trans Union unlawfully used my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness and resulted in defamation of my character and general reputation. 

Despite three ( 3 ) written notices sent via certified mail, Trans Union continues to report damaging unauthorized personal and financial information on my consumer credit report. 

Further, Trans Union is corresponding with me via postcard regarding this private matter, a direct breach of my right to privacy.

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 2023-03-13
Company: Bridgecrest Acceptance Corporation
State: MS
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:
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A states a person shall not furnish an 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. 15 USC 1668B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-09-08
Company: EQUIFAX, INC.
State: MO
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:
Equifax mishandled my information, which puts me and over 100 million other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I just reviewed my copy of my transunion credit report i see an inquiry that's on the report that i didn't authorize XX/XX/2023 consumer portfolio. received a copy of my credit and i don't have any transaction with them. they are in violation with the 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 2020-01-17
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received an American Express prepaid debit card of {$25.00} in early XXXX. The card clearly shows on the face an expiration date of XX/XX/XXXX. I assumed this meant the card would be good until XXXX of XXXX. 

However, I discovered on XX/XX/XXXX that the balance had been depleted as a result of recurring monthly fees of {$3.00}. 

I contacted American Express immediately upon discovery of the missing funds and explained the situation to them. The representative who answered the phone ( XXXX ) first " investigated '' the situation, located my account, and explained that the card was designed to charge a {$3.00} beginning 13 months after activation ( or mid-XXXX  ). Later, she " investigated '' again and this time found the card was designed to charge the fee beginning six months after activation ( or late XXXX ). I explained to XXXX that the clearly printed expiration date on the front of the cards was deceptive and had deceived and harmed me. She indicated multiple times that the company would not do anything to remedy the situation. 

I have been harmed by American Express ' representation of the expiration date on the face of the card. They have clearly printed and communicated that the debit card funds would be active until XX/XX/XXXX, but in reality the program limited ANY card benefit to mid-XXXX -- fully seven years prior to the stated expiration date! I consider that misleading piece of information both deceptive and unfair. I believe American Express has engaged in a deceptive business practice. I want to be made whole, and I want American Express to cease this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A month ago I opened a business account with Bank of America. After depositing {$15000.00} into the account at branches while waiting for card tied to acct to arrive in mail. I needed to send a wire transfer to purchase equipment to build my small business. I went into the bank branch and was basically told that I could not send a wire transfer without the card. I was told to just wait a few more days for the card to arrive. After waiting a full week more for the card I went back into the branch and was told again I couldn't send a wire transfer from my business acct without the card. So I transferred the balance of my business acct to my personal checking acct and was finally able to send my wire transfer. This delay cost me {$1000.00}. An amount that as a small business definitley hurts. To this I was just told " sorry ''. After finally being able to use my own money through my personal checking acct I closed my business acct with Bank of America. Still keeping my personal savings and checking accts while I found a new banking institution to take my business to. The next evening I tried to purchase a {$2.00} stock photo for my business website with my debit card only to be told there was a problem with my card. I have now been on the phone with Bank of America XXXX service for close to an hour because for some reason, ( no one can tell me why ... ) my debit card was cancelled. There are no notes or reasons on my acct as to why it was cancelled. Basically leaving me with no access to my funds since I left the bank yesterday. They have told me they can not turn my card back on, but can send me a new card. No, I can not wait who knows how long for a new card to access my money. Money that the bank has no problem letting someone else use for their profit. so as of now I have no access to the {$12000.00} in my checking and savings acct. Also now since my card has been turned off none of my saved payments ( Mortgage, cell phone, etc ) will work. If this is not resolved soon I will end up with a late payment to mortgage company that affects my credit and livelihood. This is the most unacceptable treatment of a customer I have ever experienced. And at this moment Im being told by XXXX ( would not give me last name and would not transfer me to his boss ) that there is nothing they can do to help me.

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 2023-06-23
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Company: Experian Information Solutions Inc.
State: PA
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 sent out multiple correspondence to the credit bureaus asking the credit reporting agencies to verify these accounts but they have not provided proof of verification. I have been sending in request for verification for these accounts since XX/XX/2023. I am hoping the CFPB can assist me with these issues on the following accounts. 

The accounts that are on my report that I am requesting formal proof of verification is XXXX ACCOUNT NUMBER : XXXX and XXXX ACCOUNT NUMBER : 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 2023-10-27
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX  I received an eviction notice from XXXX XXXX XXXX due that, XXXX stated that my rental payment that was paid by me, XXXX XXXX, was returned by the bank. I then went to the bank to see what the issue was. I also took out the rental payment that was sitting in the account every since XX/XX/. I got a money order for {$620.00}. {$620.00} was for the rent ; the extra {$20.00} was due that someone stayed in the house past 2 weeks. Per the rental agreement. Two dollars for the transaction through XXXX XXXX center and {$2.00} for the money order. 
If you take notice of the transactions below - the XXXX XXXX transaction of {$29.00} transacted on XX/XX/XXXX  leaving the balance of {$620.00}, {$5.00} over what was due for rent on XX/XX/. This was in the account still on XX/XX/XXXX  and left no basis for the return of the ACH that was transacted on XX/XX/2023 ( the rental payment ). 
As you can see in the bank record above, on the prior page, the Social Security Check was made available to me on XX/XX/2023 in the amount of {$1200.00}. At this time my bank account was reflecting a positive status. I could not have made 6 transactions on XX/XX/XXXX & XXXX XXXX  without that SS Check because that amount of money was not in the account prior to the SS Check. As you can see on the prior page, the SS Check has a credit date of XX/XX/. As you can see on this page, the Social Security Check has a credit date of XX/XX/2023, which is fraudulent in nature. This makes me think that either XXXX XXXX XXXX, has someone working for him in the bank doing illegal work, or Regions Bank has lost its mind. As you can see from the record above, the ACH payment - XXXX was returned on the XXXX when the account reflected a balance of {$620.00} from the XXXX up to the XXXX, at which I went into the bank to purchase a money order to pay the rent, after receiving the eviction notice. 
Pleas see attached proofs

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 2023-04-13
Company: Experian Information Solutions Inc.
State: AL
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:
To whom may be concerned, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise not compliant with regulatory federal reporting laws or standards and MUST be removed immediately. The following fractions are as follows : Alleging Creditor and Account is reported as having a late payment on my credit report : XXXX XXXX XXXX Account Number : XXXX I am demanding that these accounts be updated to PAID as agreed and NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: NJ
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:
3 years ago I was informed by Florida XXXX that my personal information has been compromised. The details of the situation are that I apply for a XXXX endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as late.

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 2019-09-30
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX XXXX  has reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from exp evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX/XXXX  XXXX  XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.

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 2019-05-17
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent in a complaint to you before. XXXX stated that they can not find the debt they are stating I allegedly owe. How are they able to report THIS NEGATIVE information on my credit report? I've requested information from XXXX THREE times to show that this was my debt and I haven't received ANYTHING from them. I responded to them with some number that is stated on my credit report and AGAIN, I still have not heard from them and it is STILL on my credit report. Do I need to sue for damages to have them finally remove this?? I would like a resolution to this issue, not just have them respond and you drop it!

Company response to consumer: Closed with explanation