BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt on my credit report that has been increasing however I do not owe the XXXX Kimball. They are a third party attempting to collect on a past apartment I lived at but was settled in court. I paid {$600.00} that was the judgment ordered I did not live there after that and nothing more was owed. 
This was removed from my credit report then it appears again now. 
This same exact amount {$4000.00} also shows up on a separate persons credit report who lived there also which would definitely be incorrect information because that is {$8000.00}. In total for the same apartment. 
This person was not even initial lease his name is XXXX XXXX XXXX. 
I do not owe XXXX XXXX XXXXXXXX ANY AMONNT of money I paid what I was ordered to pay in full {$600.00} and moved out I was never informed of any additional charges owed that was it. This took place in XXXXXXXX XXXX XXXXXXXX. I moved there in XXXX XXXX and that would be when the initial lease was signed by me I lost alot of my belongings in storage I couldnt afford due to XXXX and XXXX related issues. I do not know if I have the lease but the copies exist and so does a court judgement I never did any business whatsoever with KIMBALL AMD TIREY XXXX and they could not validate that I have ever or produce a contract which I have signed period because there isnt one. I am also part of the data breach in XXXX XXXX settled for XXXX XXXX and have filled a claim. 
I have filed multiple disputes and I feel to that the XXXX debt in my credit report for XXXXXXXX XXXX may be a result also because I did not open a new account in XXXXXXXX XXXX XXXXXXXX Theres not even a way anyone would open one for me that XXXX {$290.00} Is absolutely not mine in any case please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: WV
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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.SCode $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptIt has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relatesNEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFTAs a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2019-12-13
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis sent me n XX/XX/XXXX a 25 page report with all my previous home address ' going back 20 years, one page briefly mentions : " No judgments or liens '' Lexis Nexis has however sent to my employer a list of : " 61 unverified, historic liens and  judgments ' This list was full of inaccuracies, duplicate items and caused my employer to fire me. 
( I had not disclosed the erroneous liens on my XXXX XXXX. ) Then in XX/XX/XXXX I applied to a new employer, XXXX XXXX XXXX, they too received a similar list of 61 " unverified and historic liens and judgments form Lexis Nexis.

I have disputed this with Lexis Nexis in writing numerous times, at least 7 written letters, I have previously filed a complaint with CFBP. Your reply to me was that Lexis Nexis referred me to an 800 number which was no help. 
I request a copy of this list be sent to me. 
And I request the right to dispute these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-18
Company: EQUIFAX, INC.
State: AL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2022-10-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the XXXX XXXX XXXX. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there, 15 USC 1681 sections 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions. 

The below listed accounts are inaccurate and is improper use of my credit report... 

XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Texas XXXX XXXX ( Closed Charge off )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just wanted to report a potential spam/scam website : Credence Resource Management , LLC. Website : Https : //www.credencerm.com. 
I received a letter from this company said I have debt with XXXX at {$190.00}. I never owned money to XXXX, and the account number is wrong. I called the number on the letter and answered by an XXXX person, who wanted me to dispute the case at a website which tried to pretend as official XXXX website, but it's not. I realized this is a trap and this debt collector is spam/scam as well. 
On the letter, this company has the Licensed Office Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ; And they wanted me to mail the response to XXXX XXXX XXXX, XXXX, MI XXXX. 
Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was looking to consolidate my student loans all into one company and upon trying to complete the application for consolidating I was shocked at how much I still, after 10 years of paying, owe on my loans. When I questioned my father who had completed all the applications he was equally as shocked. When I investigated further I asked my school for an account summary of everything that came into and out of my account, which they provided quickly. I noticed very easily that there were two loans specifically that were not there on this account summary. I called AES and they sent me the credit agreements. The loans were there on those agreements but not on my account? AES told me the disbursement was made to the school. The school says they never received and the disbursement was made directly to my father. My father states that he has never had that kind of money ever. And further more, why if he had received that disbursement would he have used his credit card to pay the school. I have submitted to receive his bank statements from the months that these disbursements supposedly took place. Every time I ask AES for anything its a 7-10 business day wait for their response. This is wrong given that they've collected principal and interest from almost {$20000.00} for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion, after looking over my TransUnion consumer report I have noticed many inaccuracies with the account information that is being reported. The amount of errors I have discovered looks very suspicious and deceptive. I am concerned that multiple inaccuracies will run the risk of damaging my creditworthiness, my reputation, and my right to privacy. The following accounts have not been properly investigated, validated, or verified yet they continue to appear on my credit report. This is a notice of dispute and request for the re-investigation of the accounts listed below containing inaccurate information : ( 1 ) XXXX XXXX- XXXX is reporting inaccurate information. ( 2 ) XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 3 ) XXXX XXXX is reporting inaccurate information. ( 4 ) XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 5 ) XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. ( 6 ) XXXX XXXX XXXX  XXXX is reporting inaccurate information. ( 7 ) XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 8 ) THE XXXX XXXX XXXX  XXXX is reporting inaccurate information. It is my understanding that TransUnion is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit 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 the Fair Credit Reporting Act.

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 2021-01-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX received an email from Sear Citi-Bank stating my account was now open. 
Multiple calls were made to Sears and Citi-bank to explain that no account had been requested and I did not want a new account. But I was unable to get through automated phone tree to talk to a human. They request account or SS # to talk and I have no account and SS # would not register. 

I set up fraud alerts on all my accounts through XX/XX/XXXX. And I froze my credit on all 3 credit bureaus on XX/XX/XXXX XX/XX/XXXX received an email saying I could pay my bill on line. Still not able to talk to a person to explain that no account was requested. 

On XX/XX/XXXX I received an credit alert for a minimum payment of {$28.00} on a statement amount of {$250.00}. I have never seen a credit card or used this fraud card. To my knowledge there are no SEARS stores in XXXX to even shop.

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 2023-10-20
Company: EQUIFAX, INC.
State: WV
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: IL
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 3rd 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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$770.00} XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: NY
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX / ACCOUNT # XXXX. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,

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 2021-11-30
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:
MY IDENTITY WAS STOLEN SEVERAL YEARS AGO AND I'M HAVING ISSUES WITH A COLLECTION ACCOUNT THAT IS DUE TO 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2022-04-27
Company: ProCollect, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with XXXX and XXXX report. I have filed numerous disputes directly with credit reporting companies to remove Procollect , INC from my credit report/file. Procollect continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, Procollect can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by Procollect INC, XXXX, and XXXX violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with XXXX and XXXX. I am also in the process of filing a complaint with the XXXX Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at Procollect, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.

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