BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
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:
Good afternoon Team XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-19
Company: EQUIFAX, 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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK Account XXXX XXXX, XXXX XXXX Account XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: MI
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 XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instruction.

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 2022-07-27
Company: The Phoenix Recovery Group
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:
I previously disputed this debt, which was removed from my credit report. Phoenix Recovery Group said the following in their response to complaint number XXXX, " The consumer is acting deceptively. Attached are 2 metered mailings sent to the consumer that were never returned and presumed received. '' My response was, " Where are the attachments? Didn't the CFPB notice they were missing making the debt unverified still ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NJ
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:
This is the further time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XX/XX/2023 {$1200.00} This is not my account I have ask for them to verify the information that I sign and any record showing me thats its my account I have yet to receive that they are reporting false information to my credit report which is by law needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Simply put I am desperately trying to keep my license. But they gave a threat of being suspended again if I don't keep up with install payments. Times are so tough I'm not willingly expecting to miss a date but something has come up and I'm short. Is there ANYTHING we can do to stop this abuse. I can't work with out my license which will leave me even deeper in the whole if they take them away here in XXXX FL. My first payment of XXXX us dollars was XX/XX/2022. XX/XX/2022 I actually got my license back with my clearance letter. But I had to pay over {$200.00} dollars when I was only expecting to pay XXXX give or take a lil. I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I made a total of five wire transfers from my checking account at Wells Fargo on the following dates and amounts : XX/XX/2022 - {$5500.00} XX/XX/2022 - {$10000.00} XX/XX/2022 - {$16000.00} XX/XX/2022 - {$25000.00} XX/XX/2022 - {$3000.00} to a XXXX XXXX Bank located in the US and in each case Wells Fargo did not question my transactions as to the nature nor the potential of these transfers being a potential part of a scam to get my money in fraud transaction. 

All my money transferred has been stolen and now the scam company wants me to pay an additional {$13000.00} + for a debt that was not of my creation. 

Wells Fargo should have provided better customer protection, flagging the XXXX XXXX Bank as a player in scamming people and advising customers not to make the wire transfer.

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 2022-04-23
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Reporting Act XXXX Account - XXXX XXXX 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 an account without my written instructions.

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 2022-07-27
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SCA Collections Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To : The Office of Registered Agent for SCA Collections Inc. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXXu. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : 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 2022-06-21
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/22 around XXXX, the XXXX XXXX XXXX told  me my loan was transferred to Aidvantage XXXX I called Aidvantage, and they told me they had no records of my loans in their system. Now I am unable to pay my loans, because Aidvantage says they don ; t have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: PA
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:
On XXXX of 2022 I paid my account like always car payment of XXXX and had a balance of XXXX that wasn't record as of today I paid my car payment as of today current and the credit bureau still have I owe XXXX in the customer portal I owe XXXX I contact the credit bureaus I contacted the XXXX XXXX XXXX who holds the title and they're keep saying their recording I have all my credit reports it's not record. I need some assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2022-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a form letter from JPMorgan Chase informing me, " that in accordance with the instructions received from my attorney, we are providing nine years of credit card receipts to you wife for your individual Chase accounts ; and changing your mailing address ''. 
I never requested or authorized this action. The attorney who sent the letter did not have the authority to do so. I have filed a complaint with the California State Bar, but I can not proceed against the attorney or my wife for violations of the Credit Card Act of XXXX and other statutes because Chase ; despite several requests, has not provided me with any copies of the correspondence. 
This event occurred in XXXX, XXXX ; and to date ; my credit card statements are still being sent to an address I did not request, making it extremely difficult to prevent any late payments or other issues. 
I have had no cooperation from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear MoneyGram XXXX, The funds ( {$300.00} ) have disappeared, and I was informed by MoneyGram that MoneyGram was returned the money back to my XXXX Credit Card. 

XXXX repeatedly contacted you in order to get the funds and MoneyGram told XXXX that the funds were transferred to the recipient which is untrue information and conflicting with your previous response. 

Please refund my {$300.00} to XXXX in a timely manner since it was never received by the recipient and never returned to XXXX. Simply, kept by MoneyGram. I will pursue this until to the Court if you continue to keep the money unlawfully. 

Transaction date : XX/XX/2020 Amount : {$300.00} Money Gram transaction Number : XXXX Previous responses and history of communication are attached here. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2022-04-23
Company: Advanced Resolution Services Inc.
State: MA
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:
Dear Advance Resolution Service, I have been waiting over 60 days since you didnt respond to my dispute for inaccuracy you are reporting on the bankruptcy record # XXXX with the inaccurate case number because you are reporting it as XXXX. Case number XXXX is inaccurate because it is supposed to be XXXX and not XXXX. 
The FCRA 15 u.s.c. 1681i for the law that said, because you have failed to respond to my dispute letter of XX/XX/2022 for more than 30 days you must remove or delete this inaccurate information. Delete this Bankruptcy immediately. 
I disputed this inaccuracy on XX/XX/2022 the by us certified mail tracking number XXXX to the mailing address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX OH XXXX, and you received and signed for it on XX/XX/2022 as shown on the supporting documents I attached to this complaint. 
I also called you several times on XX/XX/2022 asking you regarding this matter but you responded that you had received the dispute, but you ignored me by sending me a previous dispute response from XX/XX/2022. 
This Violation must stop because as a consumer we are protected by the law 15 u.s.c. 1681i.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Delete or remove this Bankruptcy because youre reporting inaccurate information on my consumer report. 
Sincerely, todays date XX/XX/2022

Company response to consumer: Closed with explanation