BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

Following Accounts XXXX XXXX XXXXXXXX {$1600.00} No account number listed on report XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX {$72.00} # XXXX XXXX  # XXXX XXXX XXXX XXXX {$16000.00} # XXXX

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 2018-08-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
We received our collected mail from the post office today, after having been on vacation for about 11 days. In the mail was an unsolicited credit card from Chase, called the " XXXX Rewards Visa Signature Card ''. The card did not have my full name on it, just my first and middle initials and last name. I never applied for or in any way requested this card. I called and reported it to Chase immediately and spoke to XXXX in their Security Fraud Division who says she has closed the account and will investigate. However, she could not give any confirmation number or other means of confirming that I had reported the issue and that this unsolicited account is in fact closed and that it will not affect my credit. 

This seems to be a likely case of identity theft but also a case of Chase issuing credit cards without proper checking of identity and then not handling the aftermath in a way that makes the violated consumer whole. In this time of rampant identity theft it seems highly negligent to issue a credit card without even knowing the first name of the person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account has been paid off since XX/XX/ and credit report still shows an existing balance. They also havent reported to the credit bureau in XXXX days regarding my accounts status. Please update showing paid in full and/or closed.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX trans union and XXXX  are validated my disputes with out investing

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 2023-05-02
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kimball, Tirey & St.John, LLP are charging me a debt of {$1400.00} for an apartment on which I never lived, nor signed a rental contract for. It has been tarnishing my credit since XX/XX/2019, re-aged, and it is still present and negatively affecting my credit score. I have contacted them multiple times via phone and certified mail, they are unable to provide proof of alleged signed documents. Last year I submitted a dispute with each bureau and they have yet to remove it or provide any proof to support its legality. Under the guidelines of the Fair Credit Reporting Act, Kimball, Tirey & St.John, LLP are unlawfully reporting fraudulent information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Monterey Financial Services LLC
State: TN
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:
placed in debt collection without proper written notice as per consumer protection laws collection service called but no written info until filed inquiry with consumer protection. it is difficult for me to converse on phone due to medical condition. plus to many phone scams. I need my credit report cleared or at least assurance that it will be cleared written and mailed to me, also did not receive copy of original complaint all I received from collection is a copy of a 14 year old contract I need current info from original deters contact info name fax number etc. also would need info on total amount was arrived at that I owe not just a statement but actual numbers so I can make sure this does not happen again. to put it in simpler terms who are you sending the money to when I pay you. look forward to resolution. will be un able to communicate for a few days medical treatment thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX  - Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: SC
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 have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The Experian is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.

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 2018-08-24
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I have checked my credit report today and realized I have another hard inquiry. I have not applied for any line of credit at the moment as I am working on improving my credit. The dispute is from Barclays Bank Delaware, I have not left my state in 5 years and its nowhere near Delaware.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
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:
Experian Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Accounts XXXX XXXX XXXX - # XXXX Has several late payments. It as well should not have any late payments attached to a charge off account because charge accounts are late default. 


XXXX This is a charge account that should not have late payments attached to it because charge counts are late by default .please remove XXXX XXXX This is a charge account that should not have late payments attached to it because charge counts are late by default .please remove XXXX XXXX XXXX- Please update the late payments to pays as agreed Please send verification when these accounts have been updated

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
As of XX/XX/XXXX credit bureas and company said that have done an investigation but that can't be correct if I haven't gave any written permission XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE XXXX5 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2022-10-25
Company: EQUIFAX, INC.
State: NC
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:
Hello, I sent letters to the three national reporting agencies, XXXX, Equifax, and XXXX regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the XXXX and proof if address. XXXX responded saying they would not move forward because they did not believe it was me. Equifax and XXXX totally ignored the letters and I received zero feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: TX
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:
I have these hard inquiries that is reporting on my credit report that I do not recognize. I did not authorize these companies to pull my credit report nor did I sign any documents from these companies to access my credit report. Please have these hard inquiries removed from my credit report. The Fair Credit Reporting Act has strict limit on who can check my credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check my credit without written permission. So have these hard inquiries REMOVED from my credit report. These are the Hard inquiries : XXXX ( on XX/XX/XXXX ). XXXX XXXX XXXX ( on XX/XX/XXXX ). XXXX XXXX XXXX ( on XX/XX/XXXX ). I would like an update of my credit report after all of the hard inquiries REMOVED.

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 2022-10-25
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today, XX/XX/2022. I got an XXXX credit alert that said an account in my name was reported to collections. 

I looked at the reported and it shows that a debit collection company by the name of Credence Resource MAMA is trying to collect a debt in the amount of {$3300.00} from the XXXX XXXX XXXX XXXX XXXX. The credit collection company said it was given the account on XX/XX/2022. There number is ( XXXX ) XXXX and their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never been with XXXX XXXX XXXX at all in my life, so I know that this infact is not my account. 


I called XXXX to report this as fraud. They told me to fill this form out that I'm filling out right now. 

I called XXXX XXXX XXXX and reported a fraud. 

I called the debt collector and told them this was fraud.

Company response to consumer: Closed with non-monetary relief