BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I C SYSTEM INC is attempting to collect an alleged obligation on behalf of XXXX. I C SYSTEM REAPPERAED on the consumer credit report ( this is the 3rd time ive gotten XXXX removed and it keep reappearing ) per my knowledge there is no legal binding contract bearing my signature to contract with I C SYSTEM. the original creditor XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX was paid in full via the negotiable instrument provided to XXXX during the signing of the contract. per the bankruptcy act of 1933 congress gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of 2019. Per the debt collection laws I C SYSTEM is in violation of the FDCPA, TILA as the alleged debt as been satisfied. I C SYSTEM and SPRINT is in violation of 16 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. I C SYSTEM has committed identity theft as no permission was granted to house my personal information within their database. ALSO XXXX XXXX XXXX IS TRADEMARKED ON USPTO AND HOLD A COPYRIGHT and never gave I C SYSTEM a license to use the mark. A invoice is 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 explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is 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 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 2021-12-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Capital Accounts, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have this account that just appeared on my credit and I am not familiar with them or what this is for. I have tried to look this company up but there are a lot of listings here in XXXX XXXX for this business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: IN
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2021-12-07
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2017-05-11
Company: EQUIFAX, INC.
State: NE
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:
I mailed a Multiple  Inquiry  removal Letter on  XXXX   XXXX ,   XXXX   by mail in order to dispute information, in regards t o 8 hard  inquiries, that was being reported on my credit report. They started my dispute on  XXXX / XXXX /  XXXX  , finished my dispute on  XXXX / XXXX /  XXXX  , and mailed a letter on  XXXX / XXXX /  XXXX  . The request that I submitted includ ed 8 Ha rd inquires that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor, '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not   investigate AND respond, the CRA must delete the disputed information from its files. The fact that it only took 4 days to investigate, one can assume that thee was no investigation into the matter. I plan to purchase a car here in the near future and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not a case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account credit balance of my XXXX XXXX account was not being reported correctly in my credit report after I paid the balance down sigificantly. The payment should have had a positive effect on my credit score. I submitted a dispute with XXXX. but my credit score went down 19 points from a good to an average score. My Equifax score also went down whereas my XXXX  score went up as was expected. Upon completion of the dispute investigation the balance information was corrected The credit bureau has not provided any explanation in my report for the negative change. This activity has had an adverse impact on my financial condition.I have submitted another dispute but I am now unable to add a consumer statement to my file while the dispute is in progress.Not sure why this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute back in XX/XX/2019 and it still says its open and it should take 30 days for the results. Still no response and its 4 months later? I filed several disputes for all the unknown collection accounts on my credit report! None of them have any answer to my disputes

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 2023-09-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
Called Chase Bank fraud department and notified them about an unauthorized transaction on my account and provided details of how it might have happened. Chase temporarily credited my account while investigating the issue. Two days later, bank replied with the letter that upon investigation, no fraud was found and they would reverse the credit ( debit my account ) after XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I hope this letter finds you well. I am writing to bring to your attention several inaccuracies present on my Clarity Service consumer report. These discrepancies pertain to my personal information, addresses, email addresses, phone numbers, and employer information. I am requesting that these inaccuracies be promptly corrected in accordance with legal requirements, as they not only affect my financial standing but also infringe upon my right to privacy. 

Personal Name : The name on my Clarity Service consumer report is incorrect. My sole legal name is XXXX XXXX XXXX. I request that my correct name be reflected accurately on my report. 

Addresses : My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Any other addresses reported on my file are inaccurate, and I request their removal. 

Email Addresses : The only email address associated with me is XXXX. Any other email addresses that do not belong to me should be removed from my report. 

Phone Number : My only phone number is XXXX. Any other phone numbers should be removed as they do not pertain to me. 

Employer Information : It has come to my attention that you are repeatedly reporting inaccurate employer information. I request that this information be reviewed and corrected in accordance with the accurate details I provide. 

These inaccuracies not only harm my financial standing but also compromise my right to privacy, which is protected by law. Therefore, I kindly request that you take the following actions :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: NJ
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 in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Upgrade, Inc.
State: NC
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 called Upgrade Collection debt on XX/XX/XXXX to get my hardship monthly payment amount. It was XXXX but I Paid XXXX. Never once was I advised my hardship plan was over as this miscommunication has caused me to get a 30 day late on my credit report! Please remove the 30 day late from all 3 credit bureau. I am in the process of buying a house. I called Upgrade on XX/XX/XXXX once I got the credit bureau alert thats how I found out about the 30 day late .I immediately paid the past due amount XXXX on XX/XX/XXXX. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has my credit file mixed with someone elses for the last few months when I log into myequifax someone elses account shows up. I have brought this to there attention multiple times. When I called customer service they assured me the right information is on my file but when I recently called I was told they cant find my file. I even uploaded my drivers license. Im am tired of countlessly sending in my personal information via mail because it makes me more vulnerable to identity theft. The issues is my credit report is frozen and I can not unfreeze it. I am trying to get mortgage loan and they cant access my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: AZ
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 certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$3100.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Chime Financial Inc
State: CT
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:
To whom it may concern, I am writing you to talk about what happen on XX/XX/2023. My chime account was hacked they were able to access my account and send money to another account. The amount was XXXX dollars. I called chime immediately to stop the transaction. Not only did they not stop the transaction they also havent refunded me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2023-01-09
Company: NCB Management Services 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to XXXX more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : NCB MANAGEMENT SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.

Company response to consumer: Closed with explanation