BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Account have violated my rights According to FCRA XXXX XXXX XXXX XXXX XXXX XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XXXX XXXX XXXX  ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.

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 2023-09-01
Company: TRUIST FINANCIAL CORPORATION
State: TN
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:
I filed a dispute with Truist over about {$85.00} of incidental charges against my account from a hotel in XXXX called the XXXX XXXX XXXX XXXX. I got a XXXX email from the hotel saying I was not supposed to have any of those charges but the charges remain on my account anyway and when I sent this info to Trust that didnt do XXXX about it. Why does it have to be so XXXX hard to simply dispute a XXXX transaction? The merchant sent me the proof but the bank dont do XXXX about it anyway. What a waste of time.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX, USDOE/XXXX, Dep ED/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX  reported that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers and names corrected on my report this is a violation of my consumer protection rights.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2021-04-16
Company: LEXISNEXIS
State: MD
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 disputed a bankruptcy that LexisNexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2021, I received a letter from LexisNexis stating the LexisNexis investigated and verified that the information was accurate and true. The letter from LexisNexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2021, I sent a letter certified mail to ensure deliverability requesting LexisNexis provide me their investigative procedure ( Method of Verification ). On XX/XX/2021, at XXXX XXXX. the letter was delivered and the fifteen ( 15 ) days to complete re-investigation and response with the Method of Verification began. As of XX/XX/2021, the 15-day grace period given to respond to my request expired without a response to my request. On XX/XX/2021, I contacted Lexis Nexis via telephone at XXXX and the service rep placed me on hold, and I stayed on hold until the phone hung up. LexisNexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like LexisNexis to delete the unverified item from my consumer report and refrain from continually reporting the unverified information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: HI
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX  XXXXBalance : {$12000.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXX XXXXXXXXBalance : {$14000.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: OH
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 very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this 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 non-monetary relief
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: KS
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 Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit  score  Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit  score  XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit  score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges.

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 2019-09-17
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I checked my credit report on XXXX XXXX, it showed that I had 2 derogatory remarks from unpaid medical bills totaling less than {$400.00}. I learned my debt from XXXX was sold to Trans World Systems. The 2 unpaid bills were from XX/XX/XXXX and XX/XX/XXXX. 

I called TransWorld in XX/XX/XXXX, and asked about the debt I owed they said I have no outstanding debt with them. I told them my credit report shows otherwise. Then went in to say I had nine ... wait no, five accounts, wait ... I think theres just three? ... I was a little unsettled about the fact that they were so unsure about the debt accounts and amount owed I asked them to send me verification of the debt. They said I would receive it in the mail in 10-14 business days. I never received anything in the mail. 

On XX/XX/XXXX I called TransWorld again, this time I was prepared to just pay any debt just to get it off my report. Only, once again, they couldnt tell me how much I owed and what accounts were mine. I asked they just send me something in the mail that says if you pay $ $ $ then, we will take these marks off of your credit report ... they countered with if you pay $ $ $ then well send something that says well take it off of your credit report. How do I know what I owe?! They dont even know what I owe! They said they would send me verification in 10-14 business days. I said you told me that last time and I never received anything ... they told me they had no record of me ever calling. This didnt surprise me. Good thing I didnt pay them money in a promise Id receive something in the mail saying it was off my credit, because it seems they never send mail at all. Its now been over a month since I spoke to them on the phone ... I still have yet to receive anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-06-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/26, I received 5 letter 's from JP Morgan Chase, NA, advising that they were going to close 7 of my accounts. When I asked why, I was told that they didn't have to give an explanation because of a clause in the account application that allows the bank to do that. A search for reasons and similar situations on the internet and through personal contacts revealed various reasons for an account closure, but other than the facts of account inactivity, one turned out to be a XXXX XXXX XXXX credit card that had never been used, and 2 that are just old accounts that contain funds, but had no recent transactions. Of the remaining 4 accounts, ( 2 checking / 2 savings ) all are active. There are no red flags that I can see. There haven't been any strange or sudden deposits, withdrawals, or over drafts. Two of the accounts are over XXXX XXXX XXXX, while the other 2 are only about XXXX years. I think that it's important that I be given a reason why they took this action. Without an explanation I'm unable to tell if they are working with accurate information. And without knowing if inaccurate information is being circulated how can I go about getting it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting 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:
ChexSystems. 

Please see attached. 

Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. 

Excuse after excuse. 

I need access to my online account. 

Fix all these errors so I can. 

This is unacceptable as its my right to have access to my own file.

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 2020-04-16
Company: EQUIFAX, INC.
State: KS
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 Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or TransUnion to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per XXXX XXXX XXXX XXXX! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per XXXX XXXX XXXX XXXX - Aggravated identity theft.

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