BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: AZ
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 two medical collections in my Experian credit report under {$500.00}. One is not even mine to XXXX and the other to XXXX XXXX, I have disputed but Experian does not give me an explanation of why it is still there. My understanding is that staring 2023  XXXX XXXX under {$500.00} are no longer going to be reported as per the CFPB. If this is the case then neither of these two collections for medical, should be reported.

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 2023-02-02
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, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-14
Company: Park Hill Holdings
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company is still reporting something on my credit to rental companies that was deleted from my public records and was closed in court. I would like to take legal action after being denied twice after informing them of this problem is still reporting they deny it is keeping me from being approved but it clearly is the reason Im the adverse action letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, Equifax, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/XXXX report XXXX and XX/XX/XXXX report XXXX I requested for this account to be verified and that I be provided with the process and documentation of the verification and deleted. It was never verified and I never recieved any documentation from experian XXXX XXXX SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$280.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/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 2023-06-15
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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Using my Bank of America XXXX I did a balance transfer a XXXX XXXX  and paid the corresponding fee. Before the promotional period ended I started paying off the card in full and completed paying before the end of the last cycle of the balance transfer agreement. Bank of America still charged me an interest in the amount of {$44.00} I called the bank to complain and ask for a refund either full or partial and they won't do it. They stated that I didn't pay on time and the interest is valid. I have been a customer for over XXXX XXXX and never have made a late payment. They won't consider that I have been a loyal customer.

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 2023-06-15
Company: EQUIFAX, INC.
State: PA
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 account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Block, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello I had disputed XXXX transactions and cash app immediately denied disputes without even following the proper regulation XXXX guidelines they are supposed to follow by law. They just immediately denied my disputes with no investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Spring Oaks Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
XXXX XXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 
XXXX XXXX XXXX XXXX  XXXX the amount of {$910.00} date opened unknown I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
XXXX XXXX IS MISTAKENLY REPORTING A DISCREPANCY ON MY CREDIT AND HAVE ACTUALLY CAUSED MORE DAMAGES TO AFTER I HAD TRIED TO FIX THE ISSUE THE FIRST TIME. I FIRST SENT A DISPUTE TO XXXX XXXX ON XX/XX/2022 TO RECTIFY AN INCORRECT BALANCE THEY WERE REPORTING. I SENT A DISPUTE LETTER AND PROVIDED PROOF OF MY SETTLEMENT PAYMENT. AFTER XXXX XXXX INVESTIGATED, THEY FAILED TO FIX THE ISSUE. IN FACT, XXXX XXXX ACTUALLY STARTED TO REPORT A DUPLICATE TRADELINE. ONE TRADELINE IS REPORTING TO 2 BUREAUS WITH A ZERO BALANCE WHILE THE DUPLICATE TRADELINE IS REPORTING TO XXXX DIFFERENT BUREAUS WITH A BALANCE. THIS IS CAUSING MORE DAMAGES TO MY FINANCES, CREDIT AND CAUSING ME MISSED OPPORTUNITIES. I KINDLY ASK THAT XXXX XXXX  BE DELETED FROM MY CREDIT COMPLETELY OR HAVE THE ISSUES RECTIFIED 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 2023-01-24
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection agency reported something to my credit report I have no recollection of on XX/XX/ 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 2023-04-17
Company: Certegy Holdings, LLC
State: MN
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:
On XX/XX/2023 I began a dispute issue with target credit in order to fix a problem with linking my bank account information to an auto pay service for my credit card. The company informed me that they utilize Certegy to verify and they had incorrectly flagged my new account as fake. XXXX has since allowed me to mail in a form to bypass the broken process Certegy has in place but I requested in a previous complaint to clear my name as their file shows multiple failed attempts to link my account ( incorrectly showing as {$1.00} transactions when they were testing the account ). My account is working fine after Certegy was bypassed. Certegy just mailed me a letter dated XX/XX/XXXX with case # XXXX telling me Certainty has completed its investigation Have been unable to verify the reason for the unable to locate response provided by early morning services You may request certainty, initiate another dispute For further information, please contact Certegy at XXXX. 

My request from the beginning was to clear my name. Since the information that you have on file is not accurate and you are now telling me, it is not even able to be researched, my request is simply to have it wiped clean. I contacted you by telephone and after your representative demanded I provide my drivers license number which you dont even have on file, I did so and was told to hold. The representative hung up on my and I am not able to obtain any answers on why my request to remove incorrect information was ignored once again. The CFPB needs to start a legal case in collaboration with government partners as Certegy is refusing to follow procedures, previously lied to me and told me I could not dispute, and now tells me that they are unable to verify the reason and to open yet another dispute claim. Consumers should not be sent in circles and companies like this should be shut down as they are not acting in the best interest of the citizens of this country. 

I would request that Certegy mail me a copy of a new disclosure showing that my account information was successfully removed and that no inquiries, transactions, or other information exist that may complicate future transactions, which are legitimate and have been proven by target being able to link to my account directly. I have never bounced a check, this was never even a purchase, and this company has made it a hellish task to attempt to clear my name.

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 2023-02-02
Company: Experian Information Solutions 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:
On XX/XX/2022 I reached out to credit reporting agency Experian, XXXX, XXXX. Letting them know i was a victim of identity theft. I sent a list of fraudulent accounts a long with a ftc report and my identification. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Which was never done which means they are in direct violation of FCRA right under the Fair Crediting reporting Act 15 USC Section 1681 violation for willful non compliance - Section 616 civil liability for wilful noncompliance ( 15 U.S.C. section 1681n ) which is 1000 per violation which i am seeking.

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 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was approved for an XXXX XXXX account then immediately locked out of my XXXX. I was informed by XXXX then XXXX XXXX that the Card/account was being closed by someone other than myself.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given XXXX XXXX whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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 2023-06-15
Company: EQUIFAX, INC.
State: SC
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 reviewed my credit report and there are accounts that are false and do not belong to me. I have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I received a text message today from Revco Solutions - Debt Collector - out of the blue. First, I find it very interesting that this does not violate the third party rule under the FDCPA as this company identifies they are collecting a debt in the text - and they have no way of verifying that I was not in a public location when I received the text. 

Second, Section 1006.6 ( d ) ( 5 ) ( i ) of Reg F indicates that a debt collector can only send a text to a consumer if a consumer has previously used the number to communicate with said debt collector via text- which I never have. 

Also, Section 1006.6 ( d ) ( ii ) of Reg F indicates that the debt collector must be able to show that they used a complete and accurate database to confirm that the telephone number had not been reassigned since the date of the consumers most recent text- I highly doubt Revco is able to provide such, since I have never communicated with them via text. If so I would love to see the evidence of their verification from that database. 

Lastly, Section 1006.6 ( d ) ( ii ) of Reg F allows a debt collector to send a text to a telephone number if the debt collector directly received from the consumer prior consent to use the telephone number to communicate via text, and the consumer has not withdrawn that consent. Revco has never, and will never have consent to contact me via text message.

Company response to consumer: Closed with non-monetary relief