BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-07-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: RI
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 2023-06-30
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: Information belongs to someone else

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022

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: 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: Investigation took more than 30 days

Complaint:
I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX CRA 'S PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.

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 2023-01-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00}

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 2023-09-21
Company: EQUIFAX, INC.
State: TN
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:
Today I spoke with Equifax XXXX, another, then XXXX whom refused to correct obstructions due to their negligence and allowance of consistent false and fraudulent credit slandering without proper FCRA diligent process and ids and documentation, such as XXXX XXXX XXXX XXXX XXXX who's consistently reported false and fraudulent credit reports without ever providing any validation, documentation or Ids numerous times after I've demanded it numerous times as my right under FCRA, and have been denied everytime by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax , and all entities.They wrongfully are obstructing MY credit themselves adding to the nightmare im already going through and placing a wrongful restriction on my credit, all the while allowing identity thieves and false and fraudulent reporters report false info at will with no ID, no documentation, no valiation, all of which ive demanded under my rights under FCRA many times and been denied everytime ... because it doesn't exist legitimately and is not mine, now theses shady credit agencies demand more info to remove their wrongful restriction that is obstructing my credit and me wrongfully without reason and after months providing them info the identity theft and fraud against me has only gotten worse so that's a hard NO, I was advised by experts to not send out any more of my info to these so called " trusted '' private agencies due to what I've experienced with them and the identity theft and fraud against me I've been and still going through which theyve only seemed, as seen here, make it worse. I've made all proper reports I know how and been told to. 
They are responsible and I expect them to stop obstructing me and do their diligence on the fraudsters and identity thieves and id them and stop and restrict and stop them.Their non actions and everything has been meticulously documented since XXXX XXXXNo excuses, correct your wrong Equifax is responsible for and all damages that ive endured arising from their wrongful actions and practices.Do not dishonestly obstruct me further and protect my information from the identity thieves in which your entrusted to do is what I expect period. 
XXXX even told me to drive to XXXX office, in XXXX, ridiculous I'm in no shape too and live in XXXX, XXXXThese people seem to get away with these shady tactics by hiding their name even where their calling from, but expect every piece of info from me, and I have obliged as I thought I had to and they were legit, until now where I've been advised not to and to fully keep documenting, and will continue too diligently document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( XXXX XXXX XXXX ) Account number XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions.

15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting

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: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In late XXXX, I received a bank statement that showed XXXX XXXX  of dollars in charges. These charges were from Ohio, a state that I have never lived in, nor been to, nor know anyone from. Examples of some charges would be places like XXXX, and XXXX, which I do not use. I work, and reside in North Carolina. There is no chance that the charges could have been me. As soon as I saw charges such as these, I contacted the North Carolina State Employees Credit Union, which I use. They found that the charges added up to {$11000.00}. They started an investigation, and reimbursed me the money, on " credit. '' I have not touched any of the money I have received. On XX/XX/2023 I received two letters in the mail, sent on XX/XX/2023, one stating that the credit may or may not be reversed, and another stating that they had found insufficient evidence to support a viable fraud claim, thus I assume, planning on reversing the credit, and taking the money stolen from me, out of my account, and closing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: TX
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I ho

pe that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
XXXX is reporting Midland Credit Management date opened XX/XX/2020 in the amount of {$310.00}. This information is incorrect. This is the date Midland Credit Management purchased the account from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX XXXX XXXX PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I already had a payment schedule for XXXX separate accounts with the same attorney firm. I paid XXXX in full, was restarting paying the other account ( which I had made a few previous payments ). I received a salary garnishment. I called them immediately to remind them that I was paying it down, that I would raise my monthly payment by a third and they said they wanted XXXX payments of {$600.00} approx to fulfill the obligation. In addition the original creditor was willing to settle for half the amount since the interest was so exorbitant but this known shyster outfit returned to the original amount. I sent a complaint to the court Law firm is : Pressler Felt & Warshaw, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  original creditor. {$1600.00} XXXX XXXX, now {$1200.00} approx.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I sent the following letter to Kohls. regarding a reporting on my credit report. This company claim I have an account with them. For account XXXX, they claim I own {$1400.00}. In the letter sent on XX/XX/2023, I ask them to verify this debt was mine. As of XX/XX/2023, I have not received any validation of the debt that Kohls is claiming to be mine.

Company response to consumer: Closed with explanation