BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
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: Information belongs to someone else

Complaint:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account ASAP.

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: FL
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 this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-03-15
Company: EQUIFAX, 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 have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for XXXX. The account i'd like to self-report is with Florida XXXX and XXXX company, account number XXXX which i have shown positive payments. This account is reflecting on my experian report but not currently reporting on my XXXX  or equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: AMERICAN EXPRESS COMPANY
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 paid for a trip to XXXX through XXXX XX/XX/XXXX to travel XX/XX/XXXX to XXXX, XXXX in full on my American Express. I arrived XX/XX/XXXX and left 2 days early due to the pandemic. XXXX XXXX went bankrupt XX/XX/XXXX and when I went to check out I was to I had to repay, they would not let me leave without paying. I have tried to dispute XX/XX/XXXX and was declined because it is now outside of time for dispute yet I filed day after I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair credit Reporting act XXXX Account # XXXX 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.

Company response to consumer: In progress
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-09
Company: Experian Information Solutions 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:
Ive been disputing accounts, incorrect personal information, and inquiries for over XXXX years with Experian. Experian has responded " verified '' to these erroneous accounts that have accumulated on my CONSUMER report over the time. Also, during these times I've had a fraud alert on my account and still Experian has " VERIFIED '' that the said debt is mine. 

Experian has failed me as a CONSUMER by not only verifying erroneous accounts, they also VERIFIED THE INACCURACIES AS WELL. 

EXPERIAN HAS BEEN REPORTING THESE ACCOUNTS OUT OF COMPLIANCE WITH THERE OWN REGULATIONS! 

PLEASE SEE ATTACHED DOCUMENT! 

( I HAVE MY THUMB PRINT WITH THE LETTER ALONG WITH SUPPORTING DOCUMENTS AS PROOF OF ME BEING A REAL PERSON, NOT A COMPUTER, OR AGENCY ) NO EXCUSES!

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 2023-11-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I am writing to formally dispute the presence of the XXXX XXXX XXXX. account on my ChexSystems report, as referenced under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account is associated with the name XXXX XXXX and the address XXXX XXXX XXXX, XXXX, XXXX  XXXX, with the reported SSN/ID XXXX. 

Account Details : - Date of Closure : XX/XX/2021 - XXXXACCT # : XXXX / XXXX - Original Charge Off Amount : {$9100.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/2021 Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), I assert my entitlement to a precise and equitable representation of my credit history. This statute imposes an obligation on information furnishers, such as XXXX XXXX XXXX, to furnish accurate and complete information to consumer reporting agencies. 

I challenge the accuracy of the reported information and dispute the veracity of the debt in question. Additionally, I request that, in accordance with the FCRA, a thorough investigation be conducted into the legitimacy of this debt. I seek assurance that, beyond any prescribed investigative timeframe stipulated by 15 U.S.C. 1681s-2 ( a ), if applicable, the contested account will be promptly removed from my ChexSystems report . 

Furthermore, I request validation of the debt in question. Kindly provide comprehensive documentation verifying the legitimacy of the reported account, including details on the original charge off amount and pertinent closure information. I have enclosed the following documents, -Current Utility BILL -Current State ID -Current SSN I am cognizant of my rights under the FCRA and anticipate that Chex Systems will undertake a diligent examination of this matter, adhering to the statutory provisions. A prompt written confirmation of the investigation 's outcome, as well as the removal of this account from my ChexSystems report, is earnestly requested. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Amount {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-10-08
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: Personal information incorrect

Complaint:
I'M HAVING A HARD TIME GETTING MY CURRENT ADDRESS PLACED ON MY CREDIT REPORT FROM THE CREDIT BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Student loan repayments started back up. I signed in with MOHELA, my current servicer, and saw that I had made the requisite number of payments to fulfill my public service loan forgiveness. They continued to send me letters about repayment. I called customer service and then was put on hold for over an hour before finally giving up. I emailed them on multiple occasions but did not receive any confirmation that they were working on the issue. Last month, I signed in and saw that I no longer had a payment due. I assumed this meant, they had sorted out the problem. Today I received a letter that they would be auto-debiting {$400.00} from my bank account in XXXX. So, I emailed them again and pointed out that I had reached the requisite number of payments for forgiveness. As before, I have received no notification that they got my email or that they will get back to me. I do not expect that they will ever get back to me. I'm sure you can understand how frustrating and stressful it is to worry that they will be taking money from my bank account that they should not be taking and have no control over the situation and no way to get through to talk to a customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
I seen some fraudulent inquiries on my credit report and would like to have them removed XXXX  Inquiry : XXXX XXXX, XXXX  PENTAGON FCU-XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital one at XXXX XXXX XXXX UT XXXX USA has been sending me collections notices in the amount of {$430.00}. The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: Pendleton Capital Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have had XXXX XXXX from Pendleton Capital Management contact me Monday, XX/XX/XXXX before XXXX XXXX. One call was at XXXX XXXX then again at XXXX XXXX eastern standard time. When I didn't answer he then called my parents which would have been before XXXX XXXX  central time as they are in Texas. Not only did he call them before XXXX XXXX he also released my debt information to them. I know this from the details relayed to me in a text message. When setting up payment arrangements on a previous call to these calls, Mr. XXXX failed to mention to me a {$10.00} processing fee for each payment, which I am still being charged and it is not being applied to my debt as it should be since on a recorded line I was not informed of it. When speaking with Mr. XXXX on XX/XX/XXXX I mentioned this to him and his response was " oh Yeah ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around 2 months I began receiving 10+ calls a day from an unrecognized phone number. Everytime they left messages and did not describe anything meaningful about any debt or anything. After searching the phone number online, it was marked as FRAUD and a SCAM collection agency bait company. So I blocked the phone number like any normal person would do, after receiving so many harrasing phone calls [ 10+ calls a day for a month ] each with a voicemail which further filled up my voice mail and did not allow other people to contact me via voicemail message. 

Then yesterday I receive a letter in the mail from another company, which says I owe {$1300.00} for the city of XXXX XXXX office of finance business tax. This raised many red flags as, the XXXX XXXX office of finance would first mail XXXX  business a past due tax balance if they believed there was a past due balance owed. I have not received any prior communication from the XXXX XXXX XXXX regarding any balance due on XXXX business tax account and pay such each year. Then the collection letter does not describe any real account number or verifying information to verify or locate or understand the debt they try to wrongfully collect. There is nothing contained in this collection letter that relates or correlates with XXXX XXXXXXXX XXXX XXXX tax account number or any other identifying information in order to verify such. 

Then the collection letter does NOT contain the legal language required by law. it does not explain my rights to dispute the debt, or verify the debt. it only says to pay the debt owed to them directly. By law this collection letter should have a paragraph which gives the person receiving it information regarding their rights to dispute and verify the debt. 
There is also no contact information given in order to dispute the debt with the collection agency, but rather only a link to make a payment. 

This is an illegal and fraudulent collection agency that uses illegal tactics to steal money from consumers and people who do not understand their rights and laws during this time. This company needs state ( CA and IL ) and federal investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
XX/XX/XXXX Closing Statement card XXXX. XX/XX/XXXX Adjustment Purchases. CREDIT $ XXXX XXXX Payment $ XXXX Finance Refund $ XXXX $ XXXX TOTAL CREDITS APPLIED $ XXXX ALL COME FROM MERCHANTS AND ME MERCHANTS CREDITS TURN INTO NEW CHARGES XX/XX/XXXX {$190.00} USAA BEGAN FRAUD INVESTIGATIONS XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These purchase dates are XX/XX/XXXX Why did USAA DELAY FRAUD INVESTIGATION 9 MONTHS? These purchases were reported Unauthorized XX/XX/XXXX. USAA LEFT ME LIABLE FOR UNAUTHORIZED CHARGES OF XX/XX/XXXX Then charged them again as New Purchases??????? USAA IS THE CROOK This has been reported ID THEFT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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:
A loan was taken out in my name in 2018 with XXXX XXXX in California. I have never lived or visited California it is 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 2023-01-21
Company: AFNI 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:
In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, AFNI, INC., had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called AFNI to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called XXXX to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. 
I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Exeter Finance Corp.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation