BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: NE
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX XXXX and XXXX, are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX or XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!

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 2023-05-21
Company: EQUIFAX, INC.
State: NC
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:
Recently I received the findings of a false reporting in my credit report. The credit Bureau XXXX was asked to name there source and supply proof of the debt. This was not supplied the private source was never mentioned in the company response. The company also stated that the courts are contacted and this is not truthfull I contacted the courts and due to law they are not able to discuss any debt legitimate or not to any one outside of a consumer. Please remove this false bankruptcy off of my credit profile as the vendor was not supplied as asked and is reporting unverified information as confirmed with the nc XXXX system. The courts provided a document stating that they are not at liberty to report to any credit agency private or public as they are not creditor. This debit is not valid and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX Chase Banking Prior to the Covid-19 Pandemic I booked a trip to XXXX, XXXX ( XX/XX/2020 ) through XXXX for XX/XX/2020 to finally say my vows with my husband. I paid the deposit of {$850.00} on XX/XX/2020 and another on deposit for the second XXXX on XX/XX/2020 for {$840.00} on a separate credit card. Due to Covid-19, XXXX closed its borders to international tourists until further notice. XXXX credited my account for the trip, but are now refusing to return our funds stating they do not have the tools to do so. Under their Extenuating Circumstances we qualify for a full refund due to the unforeseen events of the Pandemic, but since they have already credited my account they can not exchange it for " cash. '' Their services were never rendered and they are continuing to give me the runaround with only allowing me to speak with a representative through their online chat system. I requested a phone number to speak with a live person, but the representative refused to do so. When I finally receive a phone call after requesting my case to be escalated, I am stuck having a conversation with a Manager whose dog is continually barking in the background and telling me that they will not return my funds. My frustration stems from the fact that they have now put a time limit on when I have to use this credit otherwise I will lose it. If I had received my FULL refund, my payment would not expire. 

XXXX has given me no choice but to dispute the charges for services that were never provided due the unforeseen events of the Covid-19 Pandemic. I reached out to Chase Bank to dispute these charges in hopes that they will be able to help me in this situation. They immediately returned my funds, and informed me that they will reach out if any additional information is needed. They failed to mention that I was already outside of the 120 day timeframe for them to retrieve the funds from XXXX and I would need to provide documentation as to why I am calling to dispute now. After escalating the issue, the next Supervisor tells me that if they issued a credit to my XXXX account that it is a sufficient resolution to the problem. This is not " sufficient '' due to the timeframe that the credit has to be used by. Chase is requested documentation of the reasons why it took me 6 months to dispute the charges, but then tells me that no matter what I do, they will not investigate this any further. 

I am at a loss as to what I should do next, and I hope that this may help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a letter to Equifax regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached document ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. As of today, it has been over 30+ days later and I have not received a response yet from Equifax XXXX I feel like I'm being taken advantage of and being ignored by the credit disputes. 

This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: OK
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:
Inquries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Their investigation did not fix an error on your report

Complaint:
According to my recent credit report request from XXXX, Equifax, and XXXX and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT XXXX [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED UNVERIFIED PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CA XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, MN XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE REMOVE ALL FRADULENT INQUIRES : BENEFICIAL DATED XX/XX/XXXX XXXX  XXXX : DATED XX/XX/XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ALL WERE CREATED BASED ON FRAUD AND POLICE REPORTS WERE SUBBMITTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX and several collection agencies continue to place this outdated paid by settlement colelction account on my credit reports. This debt should not be allowed to be purchased by collections agencies because it was paid in settlement and the date of first delinquency is too old to be reported to my credit report. The collections agencies keep changing the dates allowing the credit bureaus to keep it on my credit for longer than the allowed number of years. I have disputed this debt to all credit bureaus but they continue to say they investigate but the dates are correct but they are noted. You can tell by viewing very old credit reports that show these same depts under different collections agencies in prior years. The date to be removed date continues to change. This debt was paid in full by settlement and the date of the first delinquent is incorrect on my credit report. This account should be removed from my credit report first because the XXXX is older than 7 years and because this account was paid by the settlement to the collection agency. This Item was placed for collection in XX/XX/2004 and has remained on my credit since that 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 2018-04-09
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously settled this account with XXXX XXXX XXXX. However they are still reporting this account to the credit bureau XXXX XXXX. Upon paying this account they did remove from XXXX   but is still showing on XXXX XXXX credit bureau. they are hijacking my credit. they remove this account from other credit bureaus and I am requesting that this account be removed from XXXX XXXX and any other credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with XXXX XXXX XXXX I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to Blacks Law Dictionary ( XXXX XXXX. 2004 ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. XXXXXXXX XXXX XXXX had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. XXXX XXXX XXXX has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. XXXX 's ( canceled debt ) is defined as XXXX. XXXX does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also attached complaints to attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' Without Prejudice. All Natural Inalienable Rights XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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:
There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2022-11-14
Company: Experian Information Solutions Inc.
State: TN
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 disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XX/XX/XXXXXXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute.

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 2023-01-10
Company: TrueAccord Corp.
State: MI
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:
TrueAccord has injured me personally infringed upon my privacy and violated my federally protected rights as a Consumer a Natural person flesh in blood these crooks bought an alleged debt from XXXX and then sent me letters stating I owe them the alleged debt furnishing false and deceptive forms that would make me the consumer think that I owe such alleged debt this is a violation of the Fair Debt Collection Practices Act and this is identity theft I intent to invoke my specified remedy which is the payment for all damages sustained which would be each violation of the FDCPA I have clear proof I've disputed the debt and it has not come back to me validated True Accord has violated the following laws in the FDCPA 1. 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

2.15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 3. 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 4.15 USC1692e ( 2 ) false representation the character, amount, or legal status of any debt ; 15 USC 1692k-Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I will be sending a invoice invoking mu specified remedy to try to resolve this matter out side of court and I have sent an affidavit of truth and facts incase I have to file suite The fifth maxim in Commercial Law is " AN UNREBUTTED AFFIDAVIT STANDS AS THE TRUTH IN COMMERCE ''. Claims are made. If they go unchallenged, they emerge as the truth in the matter. ( 6 ) And accordingly : " AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGEMENT IN COMMERCE ''. True accord has defaulted and will get the opportunity to cure by paying the invoice before I file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: Personal information incorrect

Complaint:
On XX/XX/2022 I sent letters to have some personal information that was inaccurate on my credit report removed however XXXX and Equifax has been seemingly ignoring my request.

Company response to consumer: Closed with explanation