BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent mail twice to Equifax with copy of SSN and driver 's license etc in order to correct my personal information. 
They did not process my mail and did not correct my info. 
They do not seem to process mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This flagrant disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Inaccurate information is on my credit report with Transunion. They are reporting inaccurate, derogatory marks on my account. The company that opened the account is XXXX XXXX and it was opened on XXXX XXXX 

The company has been repeatedly reporting inaccurate information on my credit report.

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 2022-12-08
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information. I am distressed that Bureau has included the information below in my credit profile and that they have failed to maintain reasonable. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
Credit Bureau must remove this account Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
I AM A VICTIM OF IDENTITY THEFT. SOME USED MY INFORMATION TO COSIGN FOR A CAR LOAN.

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 2023-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 


XXXX XXXX, BEST B Inquiry : XXXX XXXX, 2020 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to XXXX XXXX XXXX, also Ive XXXX involved and sent this letter to the CFPB, attorneys general XXXX and the better business bureau and Federal Trade commission XXXX 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: LA
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:
On XX/XX/XXXX I submitted a request to Chase auto to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
Chase is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; 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 non-monetary relief
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: MRS BPO, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received multiple phone calls since XXXX from XXXX. When I returned calls someone named XXXX XXXX answered and asked for XXXX XXXX. XXXX is my mother who is deceased since 1993. I was very upset and asked this woman what " personal business matter '' she could possibly have with a woman dead XXXX years? She refused to tell me anything but they called my cell number? My concern is if this is a collection call it must be due to fraud because no one collects debts from XXXX years ago. When I tried to explain this to XXXX XXXX she refused to tell me anything. I want this company investigated because this is likely due to criminal behavior. The company is evidently a debt collection agency which purchases old debts. They should NOT be contacting me or harassing me when my mother is deceased since XXXX. This is predatory and abusive practice if I ever witnessed it. Calling a relative of a deceased person to harass for debt must be a violation of FDCPA. This is the contact information on their website : MRS-BPO XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX https : //portal.mrsbpo.com/

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX regarding the re-appearance of an old account that was deleted. First of all the removal was for an error account that was not mine. Second of all this reporting was deleted due to inaccuracy issue and reappeared again. XXXX XXXX  stated that I need to contact the credit bureau EXPERIAN regarding this reporting ERROR. 
I did NOT receive any writing documentation from the creditor XXXX or the credit bureau as a statement within 5 business days from this false information was reported by error based on the 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed or never existed from a consumer 's credit report. 
XXXX failed to provide any documentation based on the U.S. Code stated above.

CREDITOR HAS NOT MET ITS OBLIGATIONS UNDER FCRA 15 U.S.C. 1681S-2 AND THE ASSOCIATED REGULATIONS KNOWN AS THE " FURNISHER RULE '' AT 16 C.F.R. 660 CODE.

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 2023-03-15
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX an unsigned Writ of Execution ( dated XX/XX/XXXX ) was received by my employer and was sent to me via email on the XXXX  of XX/XX/XXXX regarding wage garnishments. I contacted the company listed on the Writ as the plaintiff XXXX Guardian Capital Management Hawaii LLC ) in which they advised they don't have the file and I have to contact the attorney listed on the Writ. I then made several attempts to contact the attorney XXXX XXXX XXXX XXXX XXXX and XXXX ) by phone on the number listed on the Writ of Execution which is XXXX, and spoke with XXXX XXXX who confirmed she received my voicemails and forwarded them to XXXX XXXX who is the attorney working on this case. However, after many attempts made to contact XXXX XXXX, I had not yet received any call back to discuss this case as of XXXX XX/XX/XXXX. I have never received a court summons for the hearing that created this judgement against me nor have I received the Validation Notice that they are required to send me prior to garnishment. The Validation Notice is to include a full accounting of debt principal, interest, original loan date, and current amount due as well as original creditor and account number. This debt has not been verified nor confirmed by me as being a legitimate debt. This debt does not reflect on any of my credit reports that I recently pulled as of XX/XX/XXXX. I had filed XXXX XXXX XXXX in Hawaii on XX/XX/XXXX so all existing debt at that time was discharged and furthermore, I paid off all open collections listed on my credit report as of XX/XX/XXXX. I then submitted a letter of dispute by dropping it off to the attorney 's office as well as mailed a certified signature receipt required copy via XXXX yesterday XX/XX/XXXX. I have been living in XXXX XXXX since XXXX and did not make any new loans. All companies involved ( whoever the original debtor is ), Guardian Capital Management Hawaii LLC and the XXXX XXXX XXXX XXXX and XXXX did not follow the CFPB regulations. Only after I left another voice message for the attorney stating that I was filing a complaint with the CFPB and Federal Trade Commission did I receive a phone call back which was at XXXX ( XXXX  ) on XX/XX/XXXX. I then met with him when I dropped off my attached letter of dispute in which he stated he will contact his client to remove the Writ of Execution of wage garnishments and advised he will hopefully hear back by the end of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-03-15
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1687 Account name : 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 XXXXXXXX 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  has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions reporting 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency ay make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 7 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relc a consumer to any consumer reporting agency if the person knows or has. reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2021-07-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021, i sent a letter to the creditor disputing an unauthorized inquiry made on my account. I would now like to take legal action if this fraudulent item isnt removed from my credit report because its having a major negative effect on my current score. The failure to provide investigation results after 60 deems violation of the fair credit reporting act and must now be removed. thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Bank of America allowed a fraudulent charge on a credit card on XXXXThat card was expired on XX/XX/XXXX. The charge of {$42.00} was made by XXXX. If you XXXX  that it comes back with alerts saying it is a scam. This charge never should have gone through. 
BOA then added fees and penalties to this erroneous charge and placed it in a charge off situation. My credit was damaged dramatically. My scores were in the 800 's and they plummeted to XXXX. 
I have been in contact since XXXX of XXXX with BOA trying to resolve this situation. I have been transferred to numerous departments and literally have spoken with dozens of representatives, and made two personal visits to my branch manager at my local bank.

They claim they sent me several notices about the past due situation, however I have never received any documentation from BOA. I was told by one their associates that someone had inadvertently checked a box requesting that I asked not to receive communication via mail. This is NOT true. I prefer to have information mailed to me. 
They reported negative information to all three bureaus. They have a fiduciary responsibility to report my information accurate according to the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
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:
UNAUTHORIZED INQUIRY 'S ON MY CREDIT REPORT

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