BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: LA
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 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 explanation
Consumer complaint received 2018-02-21
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. 

Doing a follow up with the complaint ID on file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
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:
I am writing to formally complain about the handling of my request to block information pursuant to 15 USC 1681c-1, as allowed by the Fair Credit Reporting Act ( FCRA ). This complaint is in response to your denial of my request to block information related to identity theft, as detailed in your response dated XX/XX/2023. 

I have submitted multiple valid requests, which were supported by identity theft reports filed with FTC on XX/XX/2023. Additionally, I provided all necessary documentation to support my requests, including, but not limited to, a valid driver 's license, identity theft reports, proof of address ( bank and mortgage statements ), a copy of my consumer report, a copy of my Social Security card, and the required statement to request the block. 

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  In your response, you stated that my request was declined based on the following reasons : - My request to block was made in error. 
- My request to block information was based on a material misrepresentation.

- I knowingly obtained or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. I assert that these denials are without merit and are in violation of the FCRA. I have demonstrated the validity of my identity theft claims and provided all necessary documentation to support my requests. The denial of these requests without proper investigation is a violation of my rights under the FCRA, including my rights to accurate reporting, the right to block information resulting from identity theft, and the right to dispute inaccurate information. 

As a result of these violations, I have suffered financial harm, emotional distress, and other damages. I am seeking resolution to this matter and a correction of my credit report in accordance with the FCRA.

I kindly request that you conduct a thorough review of my case, reconsider my request to block the information related to identity theft, and take the necessary steps to correct my credit report. I also request a written response detailing the actions you intend to take in response to this complaint, All disclosure, and names, numbers and addresses of all individuals or entities spoken to validate and verify all information I expect your prompt attention to this matter and a timely resolution of the issues raised. If necessary, I am prepared to seek legal remedies to protect my rights under the FCRA.

Also included are all documents provided with initial reports, responses from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: HI
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 have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with XXXX XXXX on another individual 's XXXX  XXXX credit card account. XXXX XXXX, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from XXXX XXXX, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative XXXX XXXX account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a XXXX  XXXX account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with XXXX XXXX disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of XXXX XXXX. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only XXXX XXXX. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by XXXX XXXX from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for XXXX XXXX 's negative reporting on my file, for another individuals action.

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 2023-08-07
Company: EQUIFAX, 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 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX  XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person. i also have a screenshot of a email sent from them saying they not gong to complete my dispute do to they think its a 3rd party or not me sending the 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 explanation
Consumer complaint received 2019-09-28
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several weeks after a XXXX, a partner in the medical practice ( not the doctor who treated me ) called me and insisted I meet him in the ER. He then called my insurance company and insisted I needed " observation  ''. I sat in the waiting room, without knowing why I was there, for several hours while he convinced the insurance company that I needed further care. He insisted I be admitted  to the hospital where unneeded and XXXX  XXXX tests  were performed. One of the nurses told me that because I have XXXX in addition to my primary insurance, it didn't matter how long I stayed in the hospital. After they XXXX my XXXX  several times during a botched and unnecessary procedure, I finally called a physician outside XXXX system who advised me to ask for a copy of my medical records. An attending nurse wrote the request on the white board in my room. When yet another doctor in the practice saw the note, she said " there's nothing wrong with you, is there? '' and she signed immediate release papers. The nurse literally threw my clothes on the hospital bed and told me to call them when I got home to ensure I arrived safely. Thus, I must have gone instantly from half dead to a get out of here and fend for yourself status. I have tried in vain to get a detailed account of the billing, but the hospital and the doctors have both refused the request. My understanding is that 8-10 departments in the hospital charged an Observation fee of $ 800-1000. The surgical group tried to file a false XXXX claim but it was rejected. The hospital has refused to file a claim with XXXX. They just want me to pay for this scam. A complaint to the hospital was buried by their Quality team and the representative there who was handling my complaint had a colleague call me to say she was too busy to talk to me. This is fraud, unfair and deceptive, and the greedy, inept doctor who did this is a danger to the public. Several people were assigned to look at various aspects of the complaint and one of them sent me a letter stating that the doctor in the practice who initially treated me agreed that everything went well and there was nothing wrong with me, so the big question is why did a random physician in the practice contact a patient he had never seen and fail, from the beginning, to respond to that patient 's repeated questions about what was wrong. Why hold a patient in the hospital with the intent of billing XXXX, then fail to actually file a XXXX claim -- no doubt it's because the patient called their bluff on the fraud. If the hospital has refused to participate in the billing fraud, the doctor who perpetrated the scam should pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018, I made a small but material typo when sending rent payment to my landlord via XXXX ( XXXX ) - incorrectly spelling his name " XXXX '' in the recipient 's email ( rather than XXXX ). Immediately realizing my error, I contacted Chase Online customer support within 24-hours and asked them to open a claim so that my rent payment could get rectified and go to intended recipient. After weeks of calling back for status updates, they told me there was nothing they could do since I knowingly signed their T & Cs when joining the bill pay service - eventually informing me after roughly four weeks that the claim had been closed and there was nothing more they could do. My {$1100.00} - one half my monthly income - had evaporated. In my frustration, I decided to email the incorrect recipient ( being that I knew precisely what erroneous email I had accidentally used ), and explained to him in plain terms who I was and what had happened. This gentleman promptly informed me that he had immediately alerted his bank when he received unknown funds in the amount of my rent payment, and that his consumer bank of record - XXXX XXXX - swiftly removed the funds from his account. An innocent mistake ended up lining the pockets of either Chase Bank or XXXX XXXX, which is unfair and utterly infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I was notified by XXXX, XXXX and Equifax of a collection account from XXXX XXXX XXXX of {$390.00} collecting for XXXX XXXX. I was contacted by XXXX XXXX  repeatedly attempting to collect the debt and repeatedly told them I had an account with XXXX and it was not in collections. I asked them several times to confirm with XXXX and they never did. XX/XX/XXXX they reported a collection to the 3 credit bureaus mentions. Consequently, my credit score went down and has kept me from buying a new home! When I filed disputes with the credit bureaus, and provided written confirmation form the creditor the account is not in collections and they are removing the dispute, XXXX refused to remove the account from my credit. They are claiming they have 30 more days to allow the creditor to respond. Even though, when the creditor reported the collection in error, they never verified the account was accurate!! They simply reported it and my score dropped! I believe the credit bureau should give the same credibility to the letter resolving the account as they did to the initial report of the collection. Why don't credit bureaus have to verify incorrect information before reporting it on a credit report?? I have been severely damaged by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: PA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I got a copy of my credit report from LexisNexis and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as LexisNexis. Public Records cant be validated due to the FCRA Privacy Laws. If LexisNexis cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? My LexisNexis report is frozen as well so how is XXXX, XXXX, and XXXX verifying this debt as accurate? None of the information even reported by LexisNexis is accurate. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX  XXXX and XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation