BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: SC
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  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: SC
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  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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 2023-07-03
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}

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 2023-07-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-03
Company: Experian Information Solutions 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXXXX/XX/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 2023-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX is scamming me. If I pay my whole balance due they give me XXXXpoints. But if I go over the limit XXXX XXXX they take XXXX points. This is fraud & a scam I'll never get ahead if they continue to practice this.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: AR
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 am sending this CFPB complaint to notify you that the 3 credit bureaus have engaged in unfair practices by providing inaccurate and misleading information. For that, I am filing a case against the 3 credit bureaus for vioalations of the Fair Credit Reporting Act or FCRA Section 605b. My accounts privacy has caused several emotional distress when I found those accounts that are still reported on my account. Kindly help me investighate this issue and these following accounts should be corrected immediately : XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX  XXXX Balance Owed : {$320.00} ; XXXX  XXXX XXXX Balance Owed : {$3000.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$7900.00} 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 2023-07-03
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$9400.00}, 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 non-monetary relief
Consumer complaint received 2023-07-03
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXXXX/XX/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 2023-07-03
Company: Experian Information Solutions 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : 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 explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Experian, XXXX XXXX XXXX on many occasions in regards to my XXXX XXXX XXXXXXXX account. All of them are showing a different story. Experian is showing that I have not paid in over a year. I have been making payments of XXXX dollars since I was forced to. XXXX dollar charge does not Belong to myself. FoXXXX XXXX  I have been file complaints with Experian and the other two credit bureaus on many occasions. Experian is not following through and investing at all. They come back and say the bank agrees that I never paid. I file a report stating there was a charge with XXXX XXXX XXXX for XXXX nothing was done and also my payment history is not correct. I also made a phone call three weeks ago as well. This is putting a lot on me I have been fighting this for about 2 years

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 2023-01-18
Company: EQUIFAX, 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 demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to XXXX XXXX XXXX. XXXX XXXX And XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Attached is the cease and desist letters for both companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month which inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-07-03
Company: Experian Information Solutions Inc.
State: MO
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-07-03
Company: Experian Information Solutions Inc.
State: SC
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-06
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is from official documents of XXXX XXXX  XXXX XXXX ( my bank in XXXX ). XXXX XXXX  XXXX XXXX transferred my money to Bank of New York via two drafts, draft # XXXX for {$40000.00} and another draft # XXXX for {$20000.00}. Both the drafts were reconciled with debit to XXXXXXXX XXXX XXXXXXXX XXXX XXXX account by Bank of New York. I was not aware of these transfers and I never claimed my money from Bank of New York. My money is still with Bank of New York and I am trying to claim the funds. I tried many times to contact Bank of New York to get help from foreign transactions department but could not get through the recording and never could get a live person to explain my case. I do not know who should I contact in this mattter with Bank of New York to get help on this matter and get reimbursement. What can I do to get my money from Bank of New York? 
Please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Credit reporting agencies are allowing a listed loan with XXXX at XXXX percent interest, well above the usury limits in Florida to deter identified predator practices against XXXX veterans. The credit reporting agencies should identify this as correct, and that they are allowing what was listed as predatorial practice percentages identified in the state of Florida to damage credit. The credit reporting agencies, also aid in the damage to my personal credit to be allowed as a tax write off in the percentage of XXXX percent, which I believe to be a fraudulent number when placed next to the state ursury law in place to prevent it. With that said, I wish the credit reporting agency to admit they are allowing these percentages to ruin credit for years, as well as companies writing off an larger than allowed percentage in tax advantages.

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 2023-05-06
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, a process server came to my house to serve me with court papers. Someone at my house answered the door and the process server from XXXX XXXX XXXX shared that the suit contained a debt I owed for Ford Motor Credit. That was the only way I was able to figure out that I owed this debt. I called Ford Motor Credit and they transferred me to XXXX XXXX XXXX in regards to my debt. After explaining it was for my lease I explained I will pay for the debt. At that time the representative on the phone advised that as long as I put my checking account on file and make 8 payments of XXXX they would suspend the legal actions and no one else would come to my house and try to serve me with court documents. On XX/XX/XXXX, the same man came back to my house and disclosed the information again to a person at my house and stated they will just leave the paperwork with her next time. This is after we already came up to an agreement and my first payment to come out on Monday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello! 
I just received my investigation results from Experian, but I am now concerned about how they verified some of my information. I have a few concerns as to how they are conducting their research. Did they talk to my neighbors, friends, family, etc? I was reading the FCRA and noticed Experian has violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts in the attached letter. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have sent them a letter regarding these issues, and have attached a copy to this complaint : Certified Mail # RF 341 649 120 US.

I am also feeling placated, because when they said they had reinvestigated, nothing has been updated or corrected when it comes to my personal information. So, really, I have never had my previous complaints validated by them, and I am NOT satisfied with their response to me. 

Thank you for being in my corner, and helping me with all this. 

Sincerely, 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF

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