BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
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 a victim of identity theft, i have supporting documents to support my claim on fraudlent accounts that have been obtained in my name without my consent, this being said i have mailed in all supporting documents to experian and they have removed the accounts at first then a few weeks later put all the fraud accounts back on my credit report.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: CA
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:
Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ) You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the strawman name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )

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 2023-07-08
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2020-07-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hello. American Express ( Amex ) charged me for an XXXX transaction that happened in XX/XX/2020. XXXX essentially tried to scam me for services I did not use and I have provided Amex a XXXX page report with evidence. Instead of reviewing the evidence Amex told me regardless of the terms XXXX presents and regardless of if they violate the terms- Amex will side with XXXX or the Merchant. Multiple agents acknowledged this was unfair via chat and said that they can not get involved. I asked them why they claim to look out for customers when they can't push back on XXXX for unfair business practices and got no response. In fact, a XXXX point blank told me merchants are very important to them. 

Originally Amex left my claim open for 2 months and then closed it immediately saying I agreed to terms and conditions when I paid. I responded with - but XXXX tried to price gauge the day of service. Amex made me submit XXXX pages of evidence, did not follow up, told me it's more or less futile due to XXXX 's terms, and barely bothered to read my evidence or stand up for the consumer. If Amex believes that merchants are always right then they need to stop making false claims of any form of protection. They can't even tell me an expected resolution date other than another 2 months - if XXXX decides to respond. 

I was a paying Amex card holder and am disappointed that consumers are being mislead that Amex will protect agains subpar service, in this case harassment and being ignored during resolution with XXXX. 

When I do a XXXX search- it seems many other customers have had the same problems with both American Express and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX a living breathing man looked at a copy of my consumer report on XX/XX/XXXX, and noticed an unauthorized account on my file. I sent out a notice to dispute letter on XX/XX/XXXX, and equifax received it XX/XX/XXXX, I then got generated response by equifax saying its verified with out any evidence on how they verifed the information or how it is accurate. This isnt fair to me the consumer on how they went about the investigation. I recently been getting denials and Its been causing me XXXX XXXX. furthermore its pure identity theft pursuant to 15 usc 1681b ( 2 ), I never gave Equifax any written consent to furnish ( XXXX XXXX, account number XXXX ) on my consumer report. Neither did i give XXXX XXXX written consent to report it. This makes me a victom of identity theft pursuant to 15 usc 1028a. Delete this account or your company is violating the FCRA block of information section 15 usc 1681c-2. I have specified my remedy in good faith. These companies have cause defamation to my character, I have not been able to get an Apartment, causing me to be homeless for months. This account is not related to any transaction by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

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 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Greetings! I am submitting this complaint to seek another answer as to why I am seeing another inaccurate late mark in one of my accounts. I recently received a copy of my credit report, and found that this account ( XXXX XXXX ) was already repaired months ago. And I am 100 % sure that I paid this account on-time since then. So, I feel that the information reported about this account is misleading and incomplete. Therefore, I am requesting that the Credit Bureaus will re-investigate and REPAIR this account again : EXPERIAN : XXXX XXXX Balance : {$49000.00} XXXX : XXXX XXXX Balance : {$49000.00} XXXX : XXXX XXXX Balance : {$49000.00}

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 2023-09-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see that these accounts has charged off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re investigate this account and ensure that correct fair and complete reporting is given. I don't believe the status of this account is accurate either. Delete it due to multiple violation. 

Charged Off accounts : 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 2023-02-11
Company: Experian Information Solutions Inc.
State: MI
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 in response to the closed complaint : XXXX by XXXX on the alleged debt of {$66000.00} for account number XXXX. I am submitting what I sent to this company, XXXX I, in return, demand that this company removes this alleged debt of {$66000.00} from my consumer report due to the unlawful fact this company is UNABLE to produce documentation stating that this alleged account ending in XXXX belongs to me. XXXX has yet to produce any exhibits that gives the jurisdiction that i voluntarily gave consent to enter any contract with my WET INK signature ( XXXX has only produced a document that does NOT consist of my handwriting WITH a FRAUDULENT autograph signature ), photo ID, thumb print, video footage, hair follicle or phone recording that I gave any consent of this alleged debt. This is causing myself true harm and XXXX because I am unable to provide a home for my children due to this alleged debt on my consumer report. This company 's unwillingness to remove this alleged account and debt from my consumer report has eve caused me to feel threatened and harassed by their company by attempting to contact me via telephone, as I will only accept in WRITING from this company that this alleged debt has been removed from my consumer report. This company responded stating states that I must submit a Loan Discharge Application : Forgery to an open investigation for an account that DOES NOT belong to me. It is unethical to do such matter for an alleged debt and an unvalidated account that does not belong to me. I reject the contract of doing so, as i do not sign contracts of third parties and none that i don't consent to. This company does NOT have my consent and never had of reporting any information regarding my natural living person. I reserve my rights, as this is a special appearance through this portal, not general. According to the UCC ( powers that be ' knew that all commerce is ruled by the Law of contracts ) no contract ; no case. I will seek legal action as the fraudulent documentation was written by someone other than my natural living soul, is fraud and from this companies conception i believe is used to extort money from me. I have filled out a police report and filed an FTC complaint long before this company " responded '' to do so, in the year of 2020. This company 's unwillingness to comply with my natural living rights has become unlawful and a meaningless investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My issue is with XXXX, XXXX, and Experian with a student loan company, DeptOfEd/XXXX  in which each company reports 3 - 90 day lates as of XX/XX/2023. As this is untrue, I have been in deferment since I XXXX XXXX  school. How can I have that many 90 day lates. I reject and am offended by XXXX, XXXX, and Experian reporting this misinformation. This is keeping me from getting a mortgage and other credit. DeptOfEd/XXXX  has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, DeptOfEd/XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 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 account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly, as should anyone any consumer any American.

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 2023-07-08
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + All Banks XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : XXXX XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX : XXXX XXXX, XXXX i never received card from these companys so they should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear to whom may concern, I am writing to dispute certain information on my credit report, as I have recently reviewed the report and identified inaccuracies that require your attention. The details in question are as follows : XXXX. XXXX XXXX XXXX XXXX, Tn XXXX - Inaccuracy : Never Lived Here XXXX. XXXX Rep XXXX XXXX XXXX XXXX - Inaccuracy : Never lived here I request a thorough investigation into these discrepancies and kindly ask for the prompt correction of the inaccuracies. To support my dispute, I have enclosed relevant documentation, including [ provide a list of documents, such as proof of payment, account statements, etc. ]. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate my dispute within 30 days of receiving this letter. Upon completion of the investigation, I request that you provide me with a written summary of the results and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I trust that you will address and rectify the inaccuracies on my credit report at the earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I got an email stating that my identity report did not meet the guidelines established by FCRA because i didn't file with law enforcement. Reporting to law enforcement is to in the FCRA so this should not be the reason. I reported to the FTC which was encourage by law enforcement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a XXXX XXXX debt which was disputed by me in XXXX XX/XX/XXXX I paid XXXX and owed another XXXX usd but due to covid they sold this debt for XXXX usd to resurgent in XX/XX/XXXX, XXXXXXXX XXXX  never wanted to collect the money from me and i also asked for statements repeatedly but never got XXXX. Resurgent is forcing me to pay XXXX usd as owed and i had written various letters to resurgent asking for statements but they have not, they have put derogatory status in my credit reports and incorrect reporting causing me to have a bad score and bad repute which has affected my mental health

Company response to consumer: Closed with explanation