BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Early Warning Services, LLC
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 XXXX XXXX, a consumer here by put you Early warning consumer reporting agency, a united state corporation on a final notice of violation of FCRA. 

You are reporting a fraud on my credit report which is defamation of character and i gave you may opportunity to provide documentary evidence to back up your claim and you have failed the procedure in investigation which is a violation of the FCRA law below : 1. 603. Definitions ; rules of construction 15 U.S.C. 1681a ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 2. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

You never provided me any evidence or factual information on how you obtain your information by reporting fraud on my information.

3. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] CIVIL LIABILITY I have tried to resolve this dispute in good faith but you have failed, you are hereby civilly liable to me under [ 15 U.S.C. 1681n ] 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: AR
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:
I am not able to view my credit report on this company 's website or on my annual free score. I have also been disputing incorrect information for three years and this company keeps saying they have verified the account but the report that the company sent me in the mail shows the same errors. I uploaded my exhibits with this compliant.

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 2023-09-26
Company: EQUIFAX, INC.
State: NE
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 always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several 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 XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, I have been disputing erroneous accounts since XX/XX/XXXX of this year and I have NEVER received a response from the credit bureaus, I don't know why. I have read that I have the right to dispute this information with them and that I am not breaking any law. Now because I have so many months and they do not answer me, it is a lack of respect that they ignore me like this.

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 2019-06-28
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. XXXX and TransUnion has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering. XXXX has already successfully deleted Bankruptcy.

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 2021-05-12
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I am on a hardship program with Comenity Bank for New York & Company credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and New York & Company has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX  will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX XXXX XXXX or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXXn does not answer any calls for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX on a property where I use to live. They are trying to collect my wages on something that I was not aware of especially something that is 8yrs old. Im a single mother that just started working they want to take 25 % of my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  account is paid off and in full but show multiple late payments which is incorrect. When I have notified the company, they simply tell me that the information is correct but refuse to provide proof or assist furthers Payments made from XXXX account ending in XXXX : XX/XX/2021 ACH WITHDRAWAL XXXX XXXX  {$330.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX {$120.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are Medical, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
XX/XX/XXXX I REQUESTED INVESTIGATION The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of this fraudulent account.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed accounts with XXXX XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud or a mix match file that does not belong to me BUT SOMEONE ELSE WITH A SIMILAR NAME, this is in accurate, I have never opened or closed any account with XXXX XXXX XXXX. This account does not belong to me. I have never gave XXXX  MY SOCIAL SECURITY NUMBER OR PERSONAL INFORMATION TO OPEN ANY ACCOUNT. This grounds for removal and deletion immediately. I never gave XXXX XXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD OR MIX MATCH FILE. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULANT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX XXXX They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. THIS ACCOUNT IS Obsolete Outdated AND Too old to be on file ACCORDING TO THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Atlanticus Services Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: KY
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:
Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT

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 2023-03-13
Company: JPMORGAN CHASE & CO.
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:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account undei en open end consumer credit plan as late for purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: HW Holding, Inc
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for an apartment. When I applied they notified me that I had a collection notice on my account and could not get the apartment. I contacted the collection agency as I did not know what the collection was for. I found out that they sent me to collections for nonpayment on another lease. It was a lease signed by my ex-husband and his girlfriend. They forged my signatures. I never signed this lease. I was completely unaware. Then my ex-husband died in XXXX. The collection agency is Hunter Warfield. the account number I have is Hunter Warfield # XXXX. 
I have been asking them for over a month and 12 phone calls to please send me a copy of this fraudulent lease so that I can file a police report. They have continued to tell me that they sent it. I never received anything. I have asked them to send it by certified mail. they said they can't. on XXXX I requested they email it to me, they agreed but I never received it. they do have my correct email address on file because I did get an email from them except it was not the fraudulent lease I requested. It's been more than 30 days since I requested the fraudulent lease and Hunter Warfield has continued to give me many excuses for why I haven't received it yet. i can't clear my credit report and this collection without this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: MO
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:
There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX,. XXXX # XXXX, XXXX.

Company response to consumer: Closed with explanation