BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: NC
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 third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-12-15
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:
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 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 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 non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX Balance : 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 2019-09-20
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Jefferson Capital Systems , LLC, is a debt buyer that purchased a charged-off account from XXXX XXXX XXXX XXXX with a closing date of XX/XX/XXXX. XXXX XXXX XXXX XXXX acquired the charged-off account from XXXX on XX/XX/XXXX. XXXX is the owner of XXXX credit accounts. On XX/XX/XXXX a Summons and Complaint was delivered to a person at my residence of XXXX XXXX XXXX, XXXX XXXX, WA XXXX. On XX/XX/XXXX I sent my response to the Summons and Complaint certified mail with return receipt requested. Upon receipt of the Interrogatories and Admissions, I completed and returned them along with a letter dated XX/XX/XXXX explaining my exempt status and my Social Security XXXX Award Letter. I advised them that the only income I had was Social Security XXXX, which was exempt from collection.The next thing I received in the mail was Note The letter stated that if I choose to ignore the letter, Jefferson Capital Systems , LLC. may seek to enforce the judgement through remedies that it typically seeks, such as obtaining a court order to garnish my wages, levying my bank account, or placing a lien against my home I find this threatening, manipulative and harassing since they are making threats to try to get me to pay on a debt that is clearly exempt from collection activity and illegal to pursue in regard to garnishment, levying or liens. In addition, Jefferson Capital Systems , LLC. is not a creditor but a debt buyer. They are not collecting for the original creditor only for their own profit. They paid pennies on the dollar to purchase the debt, which was not purchased from XXXX or XXXX, but purchased from XXXX XXXX XXXX XXXX XXXX to their threats of pursuing more court collection activity they are causing physical, mental and emotional problems for me. This is not good due to my fragile physical health already, I am asking for your assistance in getting them to understand that my income is exempt and therefore, they have no legal right according to law to pursue collection of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notice has been sent to by FCO ( Fair Collections & outsourcing ) saying charge of {$620.00} To " The XXXXXXXX XXXX XXXX XXXXXXXX XXXX '' I have made application to apartment but I have never moved-in or signed any lease for the apartment, The apartment complex has charged XXXX $ as move out or cancellation fee, After making application, i did not like the apartments, i never moved-in, I don't understand these charges on my account, I have called apartment company and collection agency and explained, that i did not authorize those charges, I don't understand those charges, Over the phone collection agency mentioned if i don't pay, they will report to credit agency, I have disputed on collection agency, today at XX/XX/2022, Collection agency mentioned that, they have to reported to credit bureaus.

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 2022-01-24
Company: SYNCHRONY FINANCIAL
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:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX SYNCB/XXXX XXXX XXXX SYNCB/XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-05-02
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer adjustment co sent a collection to the credit bureaus for the amount of {$300.00} on my credit report they made illegal practices to send it to the credit bureaus such as I was not contacted not once by them they never sent me a debt validation letter which they are required by law to do they made those errors and still sent it to the credit bureaus they also illegally re aged the debt cause I never opened the account on XX/XX/2023 I mailed a letter to them which came back as delivered on XX/XX/2023 requesting proof they prove this account is mine they never replied back they had 30 days to do so now going forward this debt is no longer valid for not having proof and making the above errors and illegal mistakes in credit reporting consumer adjustment co needs to be in FCRA compliance and remove this collection immediately for what they did will attach supporting documentation including the tracking number for the letter I mailed to them plus additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, My name is XXXX XXXX XXXX. I am an XXXX Military servant. I am tired of submitting a complaint for the same Fraudulent account 25 times, day after day and month after month. Your company has aided in ruining a once XXXX credit file and for the past 5 years have turned my life upside down and ruined my life. Now you need to correct it. My Social is : XXXX. 

An account by the name of : XXXX that was placed for collection activity in 2011, seems to continually appear, even after subsequent reports and documentation that is is fraudulent. 
All you do is just sit there, laughing and hvaing fun after reading the documents. Then you place a Fraud Alert on my acocunt, for something that should have been removed 5 years ago. How do you justify your job, to keep placing fraud alerts on my profile - AND NOT EVEN INVESTIGATE and REMOVE THE ITEM? Just providing a dated update? 
This is such a shame and I am sick and tired of dealing with having to call and being told I have to be transferred to this dept and then to that department and then to another department - only to find out that that 4th department is CLOSED! 
Like you I have a job. But unlike you, I hav integrity and I do actual work and take pride in my work. I do what is right when I know something is wrong, it gets resolved. When action is required, I take care of my customers! 

So, in short, I am expecting the removal of this AUTOTRAKK item that is fraudulent. Yes, back in 2011, I was the Victim of Identity Theft. You have all the documents and you 're still making the victim pay. it 's like I have been XXXX and you blame me for allowing it to happen. Yet the criminal is living the great life. 
This needs to be stopped. AGAIN - REMOVE THE XXXX ITEMS from my file and REMOVE IT NOW! 
You, XXXX and Transunion are all dirty operations. This is why your companies are always sued for XXXX dollars because you provide false and misleading information on consumers ' reports.

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 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2016-02-03
Company: Credit Karma, LLC
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Without my knowledge someone has attempted to reach into accounts and use my social security number for their use. I demand a dispute on that person whose has been using my information. For the last year someone has been messing with my social security number. This is the first time I am actually trying to contact about this. It has been going on for a while and I thought it would just go away

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2023-04-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I wrote and mailed Equifax asking that they investigate and remove the negative items that are on credit report. As a consumer I have rights and understand the laws that apply to me. Today marks XX/XX/2023 and as I have pulled my report once more nothing has been done about this matter. I am beyond furious with this company as they aren't complying with their own policies and procedures. The deadline was XX/XX/2023 to investigate my report and remove those items, however it has not been completed in the timely manner now I am demanding that each item I listed negative on my credit be removed immediately or my next step is go file an official complaint with the State Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made a payment for my auto loan on XXXX XXXX according to my normal payment schedule. I was involved in an auto accident on XXXX XXXX and my car was deemed a total loss. A claim was filed with my car insurance company that same night and I was contact by a claims representative a few days later to conference call with Chase Auto Finance to obtain payoff information. My insurance company XXXX paid their portion of the loan ( {$6000.00} ) in a check dated XXXX which posted to my account on XXXX XXXX. My GAP insurance carrier paid their portion of the outstanding balance ( {$1800.00} ) in a check dated XXXX which posted to my account on XXXX XXXX. I then received a notice in the mail stating that Chase had submitted negative information to my and my wife 's credit bureaus. So I contacted Chase on XXXX to find out what had happened and was told that my account was over 60 days past due for a balance of {$14.00}. I had received no correspondence from Chase of any remaining balance due on my account as the proceeds from my auto insurance and GAP insurance should have covered the entire outstanding balance. However due to delays in submission of the paperwork by Chase to XXXX including the Letter of Guarantee ( XXXX needed to ask for this to be sent at least 3 times before they could have a check issued ) additional interest/fees had accrued so this was not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Starting back in XX/XX/2017 I disputed 3 XXXX  XXXX XXXX Accounts with Transunion 's that were being reported on my credit report. It has just hit a year and nothing has been done to fix or address my requests. I have asked the Transunion to verify the account multiple times throughout the year and show some kind of verification or original signed contract showing that this debt is mine. I have contacted XXXX  XXXX XXXX to request the same thing and they have sent nothing back to me. This unverified account is negatively impacting me from purchasing a new truck for my business and has delayed this for an entire year. I am aware that the credit bureaus use an electronic verification system called XXXX XXXX so the accounts are not actually being verified. It is my right as a consumer to see the verification in hard copy form if it is going to be reported on my credit report. 

Attached are some of the letters sent along with return receipts showing that the letters were sent to all 4 organizations.

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 2018-08-21
Company: N.A.R., Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt on XX/XX/18 In Full to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1000.00} Credit Card Number : XXXX XXXX XXXX XXXX This Company North American Recovery Continues to insist that i owe this debt. 
I paid this debt before XXXX XXXX XXXX had a chance to Send me a notice. 
XXXX XXXX sold this loan to two different Debt Collection Agencies This is harassment and i am have been going back and forth between XXXX XXXX and XXXX since XXXX to show and proof that i do not owe this debt. 

I do not understand how TWO different companies ended up with the same debt. 
Why Hasn't XXXX XXXX  stepped in to verify how two agencies received this debt. This is harassment. How is this legal and lawful for one debt to be sold twice. 

I am again attaching both Paid in full letters received in regards to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation