BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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: 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 https : XXXX 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; NEW XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$120.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
Company: Experian Information Solutions Inc.
State: MI
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:
My Account with XXXX was paid off on XX/XX/2023. As of today 's date, XX/XX/2023, XXXX is refusing to report my loan status as PAID. Approximately {$11000.00} in Student Loans has been paid, and they are still showing up on my credit report. I have contacted XXXX various times to let them know that they have not correctly reported my information to the Credit Bureau. They are refusing to give me additional information or cooperate with reporting my information properly. I have proof and documentation in writing with a mailed letter stating that all loans are paid, but this is as much as I have gotten.

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 2019-12-16
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was taken to the emergency room of the XXXX XXXX XXXX on Friday, XX/XX/XXXX, after sustaining a serious injury from a XXXX XXXX. I submitted my insurance information and my dad helped pay off the {$220.00} remaining after insurance paid the rest. I assumed it was all taken care of by then. However, I received a phone call from North American Recovery on XX/XX/XXXX saying that I owed a debt of {$460.00} on that same bill. I called back a week later after confirming that North American Recovery was a legitimate agency and not a scam, and I told them that as far as I knew, the bill had been paid in full. I attempted to contact the XXXX XXXX XXXX to ask about the debt, but I did not receive any response. On XX/XX/XXXX, I sent an image of the receipt, and I received a response on XX/XX/XXXX that my dispute was not legitimate. I later discovered that this debt was to pay the XXXX   doctor, which was different from anything that had been paid already. However, I did not receive any notice, written or oral, about this bill until XX/XX/XXXX, and it was added to my credit account on XX/XX/XXXX ( before I got notification that it was a legitimate bill and had not yet been paid ). I do not feel I was given enough notice that this bill existed. I did not receive any communication from the hospital that I had any outstanding debt, and furthermore, I do not feel like I was given adequate time to confirm the legitimacy of the debt after it was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020. I notified XXXX, XXXX, and XXXX about an account in my name that had been fraudulently obtained. I filed an Identity Theft Affidavit with each Consumer Reporting Agency and the account holder at the time ( Collection Agency XXXX XXXX Account # XXXX ), The original account is XXXX XXXX account # XXXX. The account was removed from the XXXX, XXXX, and XXXX, and reappeared in XX/XX/2020 under Collection Agency Credence Resource Mana ( Account # XXXX ). Credence Resources Mana sent me a letter acknowledging that they Knew the account had been disputed with the original creditor, but Credence Resources willfully attempted to collect on the account by reporting it to XXXX, XXXX, and XXXX. This is a violation of 15 U.S. Code 1692e. False or misleading representations. " ( A ) the character, amount, or legal status of any debt. 

Furthermore, Credence Resource failed to inform the Consumer Reporting Agencies that the account was being disputed which is a violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. 

And, 15 U.S. Code 1681s2.Responsibilities of furnishers of information to consumer reporting agencies '' ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole {$460.00} from my Bank of America EDD account on XX/XX/19. I believe this person must work for the bank because they had a copy of my card, knew my PIN number and they knew the exact day I get paid because they accessed my account the very same day my unemployment payment went through. Ive never felt so violated in my life and for the bank to turn there back on me hurts so much. I filed a police report. I dont know what else to do.

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 2023-09-22
Company: EQUIFAX, INC.
State: MD
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:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Mercedes Benz Financial Services
State: CA
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:
On or about XX/XX/2023, I received a letter, dated XX/XX/2023 ( a copy of which is attached to this complaint ) from Mercedes Benz of XXXX regarding a credit application of which I had no knowledge and for which I never applied. 

I had visited this dealership on XX/XX/XXXX and XX/XX/XXXX. XXXX, but never purchased a vehicle and did not sign any forms while I was there ( It is possible that I may have started some paperwork [ and I'm not even certain that I did ] but I am certain that nothing [ including a credit authorization ] was ever signed. ) I also told all of the salespeople with whom I interacted at the dealership on XX/XX/XXXX and XX/XX/2023, that I intended to pay cash for a pre-owned vehicle and therefore had no interest in financing information. Nor did I seek any financing information from dealership employees. ( The names of the dealership employees involved are stated in the attached email string. ) I emailed the general manager of the dealership three times, with the last email sent approximately one month ago, to ask that the dealership remove its unauthorized inquiry from my credit report. ( A copy of the email string reflecting my inquiries to the dealership head [ and the absence of any response thereto ] are attached as an exhibit to this complaint. ) I also asked for a copy of any document that the dealer had regarding its purported authorization to conduct a credit check on me. I spoke on one occasion to the finance director, XXXX XXXX, shortly after I received the above-referenced XX/XX/XXXX Mercedes Benz credit letter , and he assured me that he would look into the matter. He never got back to me, and he has never returned any of the numerous voicemail messages I've left him over the past two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This is my second complaint is regarding XXXX XXXX and Experian. They placed two unauthorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 they have removed the inquiry on my XXXX report but not the other inquiry on my Experian credit report date XX/XX/2019. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-08-14
Company: Experian Information Solutions Inc.
State: OH
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 OH XXXX XXXX XXXX SS XXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, per XXXX, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
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 2023-07-18
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: AL
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 Experian have a late payment showing with XXXX Bank. I have never missed a payment with them & even after sending in proof repeatedly that it was paid on time still no fix & this violates 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 2023-08-14
Company: Experian Information Solutions Inc.
State: NV
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:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Report shows this account was opened XX/XX/2023, it has been opened for 2 months, the account status is open,, the responsibility is as individual and the amount owed is {$300.00}. 

This account states that the original creditor name is : XXXX XXXX XXXX 

I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX 
Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX  XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from EXPERIAN... XXXXXXXX XXXX XXXX XXXX XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries XXXX ... .. XXXX XXXX, XXXX XXXX 3 . FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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 2019-12-16
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had started a streamline refinance back in XX/XX/XXXX and have been rescheduled 3 times for various reasons. Everytime I have gotten a date as the date approaches who ever I e been dealing with disappears into thin air and the closing date comes and goes and I'm left with no answers.

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 2019-01-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On or about XX/XX/XXXX, I wrote a check # XXXX for {$3200.00} to Pa Dept of Revenue and it came back to the bank right away unendorsed and unsigned. 
I looked up my account with Pa Dept of Revenue and they never got the funds so I had to regenerate the forms and a replacement check which did come back properly endorsed. 
I called Citizens Bank and asked them to restore the money to my account for the unendorsed check. Instead they created a claim and asked for 6 to 8 weeks to process it. After 8 weeks the office of the chairman said they needed more time, Finally on XX/XX/XXXX they told me their claim was rejected by XXXX XXXX and therefore they were rejecting my claim. I then started a complaint procedure and they called me back and said I needed to contact XXXX XXXX as they were not going to restore my money. I am writing now because I feel I have been treated most unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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