BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: ARC Management Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a medical debt at a time which I had Medicaid and it was known by the original medical office but it was not billed nor was I aware of it until I discovered it on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX report which they removed it. XXXX and Transunion have not removed it. 

Transunion after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. XXXX wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.

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 2023-10-17
Company: Avant Holding Company, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Avant LLC failed to report accurate information to the 3 major credit reporting agencies after submitting several disputes. Online portal fails to provide detailed account information referring to days past due on such loan which also include company representative providing false information regarding account status. Avant LLC offers unfair and deceptive loan servicing practices. Company failed to provide detailed information regarding accurate payment history. I am requesting Avant LLC to remove all derogatory marks from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not liable and should not be held liable in any form for this debt with XXXX XXXX XXXX. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent

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 2021-01-03
Company: Experian Information Solutions Inc.
State: IL
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:
I sent a letter out on XXXX-2020 regarding the inaccurate accounts on my credit report. It has now been past 45 days and still to this day I have not received a response to my letter. According to Section 611 ( a ), a failure to properly investigate these items within 30 days gives a reason to have the items removed from my credit report immediately. Its now past that grace period and I am demanding that the items be removed now. Failure to remove these erroneous items will cause me to file for litigation. Also due to the XXXX  Data Breach my information has been compromised.

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 2021-11-11
Company: EQUIFAX, INC.
State: IN
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:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: TX
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 not receive any response from the bureaus and I have sent multiple dispute letters to them. Not even a letter in the mail or by email. This outrageous and plan out unfair. I want these items deleted from my report immediately. Like right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-01-03
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am currently receiving debt collection letters and have a false negative collection report on my credit report filed by XXXX XXXX XXXX. XXXX  is claiming that I owe a debt from Sterling Jewelers ( Jared Jewelers ) in the amount of {$7700.00} dating back to XX/XX/2014. My identity was stolen back in XXXX. Sterling Jewelers, after investigating the charge on my account, determined that I was in fact the victim of fraud and that the debt was being cleared from my account. I possess a letter from Sterling Jewelers dated XX/XX/2014 stating that the fraudulent information would be deleted from my credit report and that the updated information would be reported to XXXX, XXXX and XXXX XXXX credit bureaus. This matter was closed six years ago and I am STILL suffering consequences.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: OH
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:
In XX/XX/2020 I received a copy of my credit report from XXXX, XXXX, and Equifax. I found a number of inaccurate information that was being reported, so I sent them each a request to look into these items. I did not hear back from them, so I sent another letter on XX/XX/2020 and I have not heard back from that one either. At this point, the bureaus are completely ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: TX
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:
I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws. 

In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

This means XXXX XXXX  a financial institution has disclosed nonpublic personal information to nonaffiliated third parties XXXX, XXXX and Transunion. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

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 2022-11-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 15 USC 1681 Section 602.A states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states that 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 make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Over a year ago i I pulled my credit so that I could prepare to buy a home for me and my children and noticed that there were inquiries on my reports that I did not recognize. I immediately contacted all 3 bureaus to notify them that I had been a victim of identity theft. In XXXX  my car with all my things were stolen and in XXXX my purse was stolen with valuable information in it. I noticed addresses attempted bank accounts and inquiries and disputed them all several times. Trans Union has yet to removed the inquiries and this is really hurting my reputation and my family. I recently disputed them again with the frauds department after my fraud alert had been in place more than a year and they are still giving me a hard 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 2023-04-19
Company: EQUIFAX, INC.
State: MO
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
On my Experian Credit Report there are three credit card accounts for XXXX XXXXXXXX XXXX credit cards, two of which are mine, however the 3rd one is not mine. I've contacted XXXX XXXXXXXX XXXX to correct their error in reporting this third credit card under my name and was able to determine that the problem is due to my phone number is associated with my ex-employer 's XXXX XXXX  Credit Card, and her rewards points account at XXXX XXXX. The account number I believe is associated with this The XXXX XXXX Credit Card is XXXX XXXX XXXX ends with XXXX or XXXX. I believe that this credit card belongs to XXXX XXXX, an ex-employer and an ex-roommate of mine, who added me as an authorized signer on her XXXX XXXX account several years ago, possibly giving them my phone number to contact as I was a job site XXXX for construction materials purchases for her at the time. However, I am not responsible for her credit card account at XXXX XXXX. I've repeatedly explained my issue to their Credit Department and although they promised to stop reporting in my name, they have neglected to correct the issue. Since the account is paid on time, they seem to be reluctant to address this issue. I've also complained by filing a dispute with Experian, and they investigated and neglected to change their credit reporting for me. The balance is ill-effecting my credit score. If anybody would seriously investigate this issue, they should be able to see the credit card payments are not being made by me because it's not my credit card! I want this high balance to stop being reported in my name, so I am hopeful that you can have better results then I have had in getting Experian and XXXX to discontinue reporting this account on my credit. The Experian Investigation report number is XXXX and was Investigated in XX/XX/ 2022 and remains reported on my credit report. Thank You for your assistance in resolving this credit reporting error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: ENCORE CAPITAL GROUP 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:
I XX/XX/2022, I requested a wet signature signed contract that I owe XXXX XXXX XXXX, XXXX XXXX XXXX, MIDLAND FUNDING LLC ! They have also placed a late payment on the account and the accounts are closed. If the company XXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!

Company response to consumer: Closed with explanation