BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Dear CFPB, I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because this account was charged off in XX/XX/XXXX, and reports account type under the Collection 2. Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3. Delete this account, because it shows a Past Due Amount {$740.00} and a Charge Off/Close Collection Account must show {$0.00} Past Due.

4. Delete this account, because it reports an incorrect amount. Correct amount is {$740.00} on the credit report shows {$740.00} 5. Delete this account, because it shows an incomplete account  number. Correct account number # XXXX ; on the credit report shows # XXXX 6. Delete this account, because it shows payment history N negative on a collection account in XXXX and XXXX. 

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-13
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX  I was taken against my will to the emergency room by the local police department after I was robbed. I refused all Examinations and I told the emergency room that I do not wish to be treated because I was unharmed. I never gave them my name or ID and refused to talk or be treated. The police department gave them my information and I started getting a bill. I called and explained I was not treaded there and I was told they will take care of it and it is now a negative mark on my credit. I pulled the records from their office and multiple times it states that i refused treatment. 
I was told if I do not pay it it will go to collections and hurt my credit and I was about to buy a home at this same time. It is now in the hands of a law firm and I told them them this is not a debt that I owe. Nothing has changed with this. I also have health insurance from my work that would have covered the majority of the cost but they didn't use my insurance either.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX  and XXXX  have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2023-05-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my right. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instruction. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS SHOWED UP ON MY CREDIT REPORT I NEVER KNEW ABOUT THESE ACCOUNTS THEY ARE NOT MY ACCOUNTS

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 2018-10-24
Company: SELECT PORTFOLIO SERVICING, 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:
Select Portfolio Servicing, Inc. ( SPS ) XX/XX/2017 = Due to financial setbacks, notified Select Portfolio Servicing , Inc. ( SPS ) we would be unable to cover payments by XX/XX/XXXX/XX/XX/2017 and initiated a Request for Mortgage Assistance with them. SPS recommended and *approved* us for a short sale based on our situation. Furthermore, SPS agreed *not* to report us to credit agencies as past due as long as we were in an active short sale process, which we were. 

XX/XX/2017 = SPS reported 30 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 60 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 90 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = Short sale completed, SPS reported 120 days or no data to XXXX, XXXX, and XXXX XXXX ( we closed the short sale process and sold the property ) XX/XX/2017 = Account formally closed As a result of SPS reneging on their written agreement with us not to report us while we were in the process of a short sale, our credit ratings have taken a hit. We were assured by SPS this would not happen. 


They were negligent, did not return phone calls, or emails. They made us fill out the same stack of paperwork repeatedly. We ended up with a different person every time and had to start over each time with the new people assigned to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Self Financial Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
self/ lead bank balance owed {$0.00} opened 2021 ( XXXX XXXX XXXX, XXXX XXXX I have never opened an account with this company and have contacted them and sent them XXXX reports and have asked them to remove this fraudulent account from my report, there is no verifiable evidence to attach this account to my report nor have I gave them consent to run my credit/ attach anything to my report. PURSUANT TO 15 USC 1681 & Under 15 U.S. code 1692j the account much be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/XXXX, I deposited my paycheck at an ATM - I noticed it was taking a long time to clear so I called the bank one week later on  XX/XX/XXXX, and spoke with their representative XXXX who told me they could not verify the check so they have placed an extended hold on the check and that it will not be available until XXXX XXXX  on XX/XX/XXXX! Which is 12 days ( or 8 business days if you account for weekends ) - I am just trying to pay my bills- so I asked my boss Mr XXXX and he checked and found out Santander bank my bank received the funds on XXXX XXXX so I believe XXXX misrepresented this information to me, lied if you will. Then I received a written notice from Santander yesterday in mail that again said they could not verify the check! And that they will release the funds in 6 days. - I have a pending complaint against Santander with your organization and I am concerned they may be retaliating against me- apparently during the rather unpleasant conversation I had with XXXX urging which she advised me if I was not able to give her the copious verification information which she asked for I could go to the branch bank ( she is aware that the branch banks are closed for covid! ) then apparently she added 2 days to the time that the check was scheduled to be cleared ( 6 business days ) j have kept my written notice of the 6 days and my previous complaint is # 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 2020-10-19
Company: Experian Information Solutions Inc.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my 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 explanation
Consumer complaint received 2020-10-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX. added debt to my credit report in the amount {$1100.00}. This is not my debt. I have current open account with same company in GOOD standing at {$0.00} balance. I do not know where this other account came from. I have disputed and spoke to customer agents also have sent out a letter regarding matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XX/XX/XXXX using my bank of America credit card I purchased from XXXX XXXX XXXX tickets totalling {$2800.00}. Due to pandemic the game scheduled in XX/XX/XXXX was canceled. For weeks I attempted to reach the company with no success. I submitted a claim with bank of America to recover my funds in XX/XX/XXXX, and was issued a temporary credit. Finally in XXXX XXXX XXXX decided to offer website credits for the amount of my purchase and I have until XXXX to use or lose my credit. During the transaction it was clearly posted on the website if the event was canceled I would be entitled to a full refund. I reached out to bank of America and was told because the merchant offered the credit voucher they would not support my claim. I would like the full amount of my purchase returned to my credit card as well as any interest charged.

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 2023-03-04
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an attorney and I'm filing for bankruptcy. They have known this for months now. But I have still received calls and letters. I am XXXX XXXX XXXX and I have problems with a family member causing me great stress I do not want this stress too. please help. 
Thank you. 

This is from XXXX debt but the collector is NOT XXXX. XXXX would NEVER act like this! thank you.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXXXXXX XXXX XXXX I sent TransUnion LLC a request to remove inaccurate addresses, phone numbers and workplaces along with 2 Debt validation letters due to them reporting inaccurate items on my credit report and instead of them investigating the disputes they sent me a copy of my credit report and response letter stating they need authorization stating it doesn't appear I sent it. I am not working with a credit repair company or anyone else I am working to resolve the inaccuracies on my own. That's verification that they did receive the disputes I submitted.

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 2023-05-13
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In a previous complaint with the CFPB Jefferson Capital agreed to close 2 collection files and inform each credit bureau to remove the 2 collection accounts from my personal credit reports. The accounts have been removed from XXXX and XXXX however they still remain on my XXXX credit report and have just been verified instead of removed. This is a direct violation of the resolution of the previous complaint. I am asking again that the items be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
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:
There are many mistakes appear in my report without my understanding.

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 2020-10-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report.

These are the Violations of the Fair Credit Reporting Act.

1. Delete this account, because it shows Balance {$8.00} and a Charge Off Amount of {$8600.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Offs - L in XXXX XXXX ; full XX/XX/XXXXyear ; full XX/XX/XXXX year ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XX/XX/XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; 60 days late payment XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as L reported on my credit report.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: ND
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: Problem with personal statement of dispute

Complaint:
I have contacted the 3 Credit Bureaus ( XXXX, Experian, and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my 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 2019-08-27
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:
I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.

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