BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: HI
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:
Since XXXX of 2023 I have sent out a 4 different sets of letters to the credit bureaus disputing late payments that are on my report. For some reason they are ignoring my disputes. I have asked for proof of late payment with a bank statement showing that I was ever late and they have not provided any information to prove I had any late payments. I attached the last letter I sent to the Credit B. Law clearly states that transactions should not be included on my credit report. 15 US code 1681a title definitions Rules of construction paragraph 2 of this title is titled exclusions of sub paragraph A Subsection I states that transactions are not included in the consumer report. These are the accounts 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 2023-11-15
Company: Experian Information Solutions Inc.
State: CT
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
I called your department after I purchased a credit report with XXXX XXXX on XXXX XXXX, 2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-05-16
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a dispute with XXXX XXXX ( XXXX XXXX : XXXX ). I have filed a dispute to the bureau that I currently have opened a dispute that I opened before with the file number that I included as a reference, I received a completion that the dispute information was accurate and I called XXXX XXXX and they had it disputed again. I'm reaching out to get federal documentation that it is fraud and doesn't belong to me and it needs to be removed and deleted off my account. The collection was opened by AMSHERCOLLECTIONSERVICES, for {$220.00}, on XXXX. XXXX, 2023. I reached out to the company via email and phone and no one has reached back. 

Amsher Collection Services has received XXXX XXXX  consumer complaints and XXXX Consumer Finance Protection Bureau ( CFPB ) complaints, the substantial majority dealing with debt that is allegedly not owed. In several cases, the collector continued reporting debt to consumer collection agencies even after being informed the debt was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting XX/XX/2018 as XXXX  days late for the MONTH of XX/XX/2018. How can you be 90 days late in XX/XX/2018 ( a 30 day period ). This is inaccurate, misleading credit reporting. If, There is evidence ( proof ) that I l was ever late for 90 days please provide the bank statements ( documents ) or UPDATE the payment as PAID OK for XX/XX/2018. 
Additionally, Experian is reporting my WORST DELIQUENCY as XXXX ( no date range ) days late, again, please provide documentation that I was ever 150 days late or UPDATE to paid OK.

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 2023-08-24
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:
my credit report is affected by these accounts i never opened. I feel that I am being ignored about this matter. This reporting errors has caused me a lot of stress because my credit has been affected by this for some 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 explanation
Consumer complaint received 2023-06-12
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2023-05-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I had a checking account with State Department XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, I caught XXXX and was hospitalized for Covid and Congestive XXXX XXXX. At that time, my account was overdrawn. I spoke with XXXX and told them my situation. However my checking account was closed by XXXX for non payment and reported to credit reporting agencies. 

My account was then placed in chex systems. I was discharged from the hospital in XX/XX/XXXX. On XX/XX/XXXX, a direct deposit in the amount of {$2700.00} ( my first XXXX payment ) was deposited in to the checking account ). This left me me with a balance {$2600.00}. XXXX took the {$120.00} which was owed to them. 

I tried to open a checking account and was denied. I then pulled my credit reports from all 3 Major reporting agencies. As well as secondary and banking well as banking reporting agencies. XXXX still had unpaid on all reports. I reached out to them on XX/XX/XXXX and let them know that the debt had been paid. I asked them to remove the inaccurate information from all credit and financial reporting agencies. XXXX continued to show the debt unpaid on all credit and financial reporting agencies. 

I reached and again via XXXX mail and email. I applied at XXXX financial agencies and were denied based information on my Chex Systems report. I contacted Chex systems via XXXX mail and XXXX and asked that this inacurrate information be removed. I was told it would be. 

On XX/XX/XXXX, XXXX sent a letter verifying the debt paid. However I was denied a checking account again today XX/XX/XXXX. Is there anything you can do to assist me with this matter. 

Please Advise

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE THIS ACCOUNT, IS NOT MINE XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/2015

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
With no other option, I'm filing a complaint against all credit reporting companies who use the lack of real-estate ownership as determining one 's credibility and keeping credit scores artificially low based on something that doesn't suggest you lack the ability to be fiscally responsible. I feel it's another tool like red-lining to keep the disadvantaged at a fiscal disadvantage by XXXX  it on homeownership, when only 65.9 % of Americans own homes and those who don't like myself who lives in metropolis areas, don't want the responsibility. Why should we be faulted and penalized for it.

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 2023-08-28
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
During my incarcerration my card was used without my knowledge and charged from the dates of XXXX2023 to XXXX 2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a bank account with bank of america savings as well as checking. Both had money in them totaling around {$500.00}. They decided to close my account and they issued checks. By the time I received the checks they were expired. I called to have the checks reissued which took me over 4 hours on the phone waiting on hold to only be transfered to 6 different departments to then get hung up on.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 2023-10-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NV
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 have not provided proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, i presume that no proof of the alleged, nor therefore any such debt, in fact therefore exist. 

Fair credit reporting act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete that is innaccurate, incomplete or which cant be verified. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: CA
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:
Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to Equifax, XXXX, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to Equifax, XXXX, and XXXX, as well as, to the different servicers of my federal loans such as XXXX XXXX, XXXX, and XXXX. To date, the DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS.

DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act.

DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. 
DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw a XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-09-01
Company: RIA FINANCIAL
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Ria money transfer has closed my account and are arrogantly responding to my XXXX  complaint and telling me to go to court and other stuffs. The issue is without any acceptable reasoning they have closed the account and are not extending the services and to make it worse they also are denying to remove my financial information from their systems. They are unnecessary making such harassments for no reason. If not sorted via this complaint surely will challenge them in court and compel them to provide a reason for causing such extreme inconvenience that too without any misconduct from the customer 's end still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
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 deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. The following accounts are NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in 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 2023-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was served with a complaint in the XXXX XXXX XXXX in the State of New Mexico from Plaintiff Portfolio Recover Associates claiming that I incurred a debt with XXXX XXXX  and that Portfolio Recovery Associates were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything. 

On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX  account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXX XXXX XXXX interaction, no XXXX XXXX  interaction, no Portfolio Recovery interactions. 

**I have a serious genetic condition and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX stating that THEY are collecting the debt for Portfolio Recovery Associates XXXX This is after Portfolio Recovery Associates filed a suit against me and their attorneys are listed as XXXX XXXX so who is on first, Portfolio or XXXX? At this point I am so confused as to what is happening. 

On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is. 

On XX/XX/XXXX I sent XXXX XXXX, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of Portfolio against me in the courts without telling me who they are or how they even know me. I have not received a response from them. 

I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know me!

Company response to consumer: Closed with non-monetary relief