BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The dates contained in my credit file for Midland Funding LLC are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not Midland Funding. The XXXX XXXX XXXX  account was closed by the original creditor and the debt forgiven. Midland Funding LLC is in direct violation of the FCRA. Midland can only report debts that is owed to the original lendor or Midland. XXXX XXXX XXXX forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. Midland Funding is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA Midland must produce documentation that XXXX XXXX has made an agreement that he owes a debt to Midland consistent with the dates within the credit file. If Midland can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried over and over submitting and sending these documents for this dispute please help sending this over as its been very frustrating. I will be getting my attorney involved.

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 2019-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The dates contained in my credit file for XXXX XXXX XXXX are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX and not XXXX XXXX. The XXXX XXXX XXXX account was closed by the original creditor and the debt forgiven. XXXX XXXX XXXX is in direct violation of the FCRA. XXXX can only report debts that is owed to the original lendor or XXXX. XXXX XXXX XXXX   forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. XXXX XXXX is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA XXXX must produce documentation that XXXX XXXX has made an agreement that he owes a debt to XXXX consistent with the dates within the credit file. If XXXX can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.

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 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Fraudly signed my signature on behalf of their rep XX/XX/2020 without my knowledge after taking my credit card information through online chat, I never received any update or response, whenever I would call and inquiry about the payment I made, I got hung up on or transferred and the call would be disconnected. Then a few months go by and I get a bill for a third-party collector and I asked for the original document with my signature. They provided me with documents I did NOT sign ( in person or electronically ). I asked if they could provide me with the IP address of the electronic signatures, so I can see when, where, what day, and time this " signature '' was made. XXXX XXXX XXXX, said they will not provide me with anything as they sold my account to a collection agency. They said I had to dispute with the XXXX XXXX agency. I disputed with XXXX and they just keep providing me with the falsified documents from XXXX XXXX XXXX. I then disputed this with Transunion Credit Bureau, who continues to send me back, " VERIFIED ''. HOW are they verifying an electronic signature, without investigation into the matter. Debt validation is your federal right granted under the Fair Debt Collection Practices Act ( FDCPA ) and I need proof, if you can not provide me with the IP ADDRESS with the date stamp, time, location, and who it was made from, it needs to be removed. The XXXX  rep refused to give me an address or phone number for them, so I could submit this complaint. They have not done anything to rectify this situation.

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: 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:
LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX Account number : XXXX These companies have violated my rights listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2019-02-15
Company: Perfection Collection
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was set up for a business in which I was the XXXX of back in XX/XX/XXXX. We set up tp sell XXXX XXXX security. The account was for the business, not for a personal use, and I was never making any payments regarding this account. The only way that I know it having any of my information was saying I was the person to contact if there was a breach at our business, ( as this was a security system ) It  was all taken care of within the business. The following year, XX/XX/XXXX I quit my management position at this job, and parted ways with the business. Later that year, I had received calls regarding this account, and I advised the collectors that this account was not mine, and I was not in charge of payments or anything regarding the account. They continued to harass me throughout the rest of XX/XX/XXXX into XX/XX/XXXX when the debt was purchased by Perfection Collections. I advised to them when they had called to me that I again, was not the person to call regarding this account, and that I would get them the information regarding the business owners, and their responsibility to the payments within the account. They told me that I was not telling the truth, and I told them to please stop contacting me. I called my local police department on some assistance, they advised me that I shouldn't worry about it, since it wasn't my account. I waited and now I am trying to purchase a home, and my credit as been hit because of this issue. I submitted a dispute with XX/XX/XXXX twice now, and they are not changing this, and when I call the collections agency, they tell me that they will not accept this and I need to pay on the account. I feel cornered and that no one will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this was for progressive auto ins that i paid before going to collections this caine & wiener co put on all 3 credit reports im collections i sent proof many times of the payment i made before collection it was removed from XXXX XXXX but left on XXXX i disputed it then was removed then put back on 5 times taken off then put back on and this has gone on for awhile i sent proof over over and still they keep putting it on it's affected my credit where now im applying houses for rent getting denied and im about to be homeless because of these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Approximately around XX/XX/XXXX I called bridgecrest and I spoke with someone regarding that I do not work full time hours anymore due to convid. I was told that my auto loan could be pushed back, so now XX/XX/XXXX I am in the process of moving and my credit score is being pulled and my auto loan is reflecting negative on my credit score which is why I am having a very difficult time getting approved for homes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
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:
Ive faxed and mailed several letters to XXXX, XXXX  and Experian stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is 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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I tried to rent an apartment and was denied. I requested a copy of the credit report and was shocked to see all of the incorrect addresses, phone numbers, employers, mis-spelled names. 

I contacted the credit agencies in order to fix the all of the errors. It has been longer than 30 days. 

The credit agencies will not let me delete the in accurate information listed above. In addition, my identity has been stolen and was part of the data breach reported by the Texas DPS.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-10-01
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/20 payment amount : {$210.00}. Prior to current payment past due. The loan company ( XXXX XXXX XXXX ) only deferred one-time payment for the ( XX/XX/20 ) payment, which didnt help much because a week or two later the another payment was due. This company doesnt refinance loans, offer Payment plans and or provide extension for payments. I have called and pledged with the loan company regarding my current financial situation. I do make partial payment when Im not able to pay the full amount. I keep a good line of communication with the loan company when changes need to be made on the account or any issue with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my 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 2023-07-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Only one banker took out time to not freely This is my second complaint because I do not feel as though CHASE CLAIMS DEPARTMENT when I first called on XX/XX/XXXX during my first verbal claim over the phone was ever written down as a case to investigate it. I don't think it is fair not to be able to fill out a claims form to show my evidence or see the case results through the actual bank. I was told that couldn't be done. It's evident that they had already made up their minds because the amount that is written in the Consumer Protection Agency response section is not the amount that I stated I was scammed out of when I had to verbally file a claim. Evidently the corporate didn't check the amount either. There was no sympathy by the person I spoke with on XX/XX/XXXX in the CHASE CLAIMS DEPARTMENT. When I mentioned taking it to court, she went as far as telling me to go ahead. But that I would probably lose. ) by a what you call third party which could have been an actual employee of Chase. Also to keep a customer happy as long as I have been banking with Chase since XXXX happy, would be to offer at least a portion of the scammed money back to them because it is not the victim 's fault either that they were scammed ( tricked and scared into ) by what you call a third party which could have been an actual employee of CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, victim was induced into thinking he was sending money to rent an apartment, but instead, the fraudster induced him into sending {$2000.00} through XXXX and defrauded his Chase bank account ending XXXX of {$2000.00} through multiple unauthorized XXXX transfers. 

Chase bank has denied the victim the return of his money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX took over XXXX XXXX dollars out of my daughter and I account without authorization. We received no letters about this.

Company response to consumer: Closed with explanation