BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Company: EQUIFAX, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others. These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with 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 need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2023-03-19
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am making this complaint against Discover for violating federal law under 15 USC 1681 and 15 USC 1692. I have never given Discover any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have never received the documentation i requested from this company. If Discover can not provide me with proof that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. As of XXXX XXXX XXXX I have not received any documentary evidence, such as a bilateral contract, giving Discover any right to collect on this alleged debt. I am legally refusing to pay this debt pursuant to 1692c ( c ). I have already sent a a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Discover can provide me with sufficient documentary evidence that I have any legal obligation to pay them and they still have been communicating with me and reporting to the consumer reporting agencies without my permission. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Grow Credit Inc
State: MD
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:
GROWN CREDIT INChas illegally reported a total count of twenty-five late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Aldous & Associates, PLLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I went to XXXX XXXX XXXX  and spoke to an employee about freezing my membership due to me starting XXXX XXXX and would not have time to come to gym. The employee stated there was a 3 month or 6 month option, which I chose 6 month freeze and employee told me manager was not present but that they were putting a note in computer and note for manager to handle situation. A few weeks later I start receiving calls about my account. I then spoke to employees on the phone 3 separate times attempting to once again freeze my account like I was told was getting done the first time and apparently it never did. 3 times over the phone I was told that it was handled, after I had done the freeze in person which was unsuccessful due to employees for whatever reason. I then receive a letter in the mail stating I now owe money due to lack of payments for my account which I was told by staff situation was handled 4 different times and clearly it was not. Once I received my debt collection letter I called XXXX XXXX to ask them why this is occurring. They stated they see notes in the computer where I went up there AND called and spoke to employees to freeze my account, stated they did not know why it was not successful, but now that they have turned me over to collections there is nothing they can do and I have to handle it with collection company. Which is completely unacceptable that they directly have proof in their computer than I requested this freeze multiple times and they never completed business on their end which is now causing me to have a debt collection due. I called collection company and employee was horrible and very unhelpful and said there is nothing he can do because XXXX XXXX said I owe the money. So I basically have both companies telling me there is nothing they can do, when there is no reason why I should owe this business any money. I never attended that gym after XX/XX/XXXX when I entered the building and requested an account freeze and was told it was complete and they would see my again in 6 months when freeze was over. I do not owe this company money and somebody needs to fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 opened an investigation several times with this company in regards to them reporting my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECTLY. 

This account is '' Paid As Agreed/Never Late '' They have refused to update the " Current Payment Status '' which is incorrectly reports as 30-59 Days late. 

I have opened 4 disputes with them since XXXX and they still have not correctly reported my account. 

I have a letter from my creditor backing up my claim that states that they have requested that all 3 Credit bureaus update any delinquencies reported between XX/XX/XXXX an XX/XX/XXXX. 

This account was closed in XX/XX/XXXX, just fyi so it should not be reporting anything past that date. 


Their reporting is completely inaccurate.

1. It shows that I have made 100 % of my payments on time, which is correct but... 

A ) They are showing that I am 30-59 days past due and... 

B ) They are showing that my " Worst Payment Status is " Current '' This is just ridiculous and they simply refuse to update my credit report even with a letter from my creditor. 

Please see attached proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I was contacted by someone over the phone asking me some questions concerning my personal informationthe person called me by my name and told me my date of birth b and the last of my social security and an XXXX address. I confirmed my identity and the last social security number and denied the address. In XX/XX/XXXX, I was surprised to see a debt collection on my credit file. On XX/XX/XXXX, I sent a letter to the debt collector to prove my debt. This is two months since I received no notice from Southwest Credit System, which violated my rights to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: DE
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:
ON XX/XX/2023 GOT AN EMAIL FROM CREDIT KARMA WITH CREDIT REPORT. WITHIN THE REPORT WAS AN ENTRY STATING THAT I OWED XXXX XXXX XXXX  I OWE THEM NOTHING NOR HAVE I EVER BANKED WITH XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/XXXX my checking account was hit with fraud and fifth third bank took my s.s. Check to cover the amount that was fraud I went to them and reported and my account was overdrawn because of this they said they couldnt close the account for 3 months so this continues to hope they were using my money and paying a credit card off and I told them and the credit card place and they closed my credit card account but fifth third bank didnt so XXXX fifth third took my money again they would not give me another account so this wouldnt happen again so I went to one of the branches and talked to one of the girls and she opened another account and moved my s.s. Check it was working until I saw that someone deposited XXXX into my old account because it was still open and someone withdrew XXXX so it shows I owe XXXX I asked her who put that much money in my account she said fifth third but she didnt know why so XXXX came and it hit again so XXXX they took my S.S. Check so I talk to another person and see called the main branch and she told me they are closing the account both of them and gave me my s.s. Check back to me week later my account was closed and i cant get any bank to give me a checking account because fifth third bank put a notice to all the banks that I owed them money and thats why they closed my account I went back and talk to the girl and she said because of the account was overdrawn for too long they sent it to other banks this is not turn they overdrawn my account and now I cant get anyone to give me a checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
was not aware of court proceeding. Was not served. Received letter of judgment and wage garnishment. contact midland funding LLC. they requested. Identity Theft Victim 's complaint and affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX I sent my letter. I told the credit bureaus to " investigate every piece of information '' on accounts I listed below. Also I have attached the letter I sent out and here is the tracking Number ( XXXXExperian ) ( XXXX ) ( XXXX XXXX through USPS.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name/number- XXXX XXXX XXXX XXXX XXXX Account name/number- XXXX XXXX XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( The Creditors ) XXXX XXXX XXXX and XXXXXXXX XXXX the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with the company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-06-29
Company: Experian Information Solutions 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:
this mortgage was foreclosed on XX/XX/2019 however XXXX XXXX XXXX repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reopen complaint XXXX or submit this as a new joint complaint. 
On XX/XX/2022 my account with XXXX XXXX XXXX was canceled. They continued to bill me until XX/XX/XXXX. I called to dispute the charges. Double billed me for XX/XX/XXXX to XX/XX/XXXX. Talked to several representatives in billing, loyalty, and cancellation department. All acted like they did not see the billing error or there was nothing they could do about this because the system was not allowing adjustments on a canceled account. I should only have to pay for services that were used. I calculate that I only owe {$350.00}. I have also made a payment to XXXX of XXXX. Then Credence inserted this on my credit report, never notified me that had the account. Falsely reporting that I made payment to them. XXXX is still accepting payment on this account Credence can not insert false information on my report. I can not owe both companies one debt. 

Company did not validate the charges. Sent me a final bill as proof of valid charges. Did not address the fact that I stated that XXXX XXXX XXXX  double billed me for one month of service and expect me to agree to the charges. Phone not been active since the end of XXXX when service was originally suspended. Switched to XXXX on XX/XX/XXXX because I was in the process of onboarding with a new employer when XXXX XXXX XXXX interrupted my service and refused to reinstate or anything after being a loyal customer with no previous phone interruptions. I will not pay the balance because I do not agree with the amount. I was never under a contract, if so produce it. Called XXXX XXXX XXXX several times and they did nothing to rectify the situation. Credence can not insert inaccurate information onto my credit file. I repeat I do not owe XXXX XXXX XXXX the amount that they are stating. I did owe them for the remaining payments on a XXXX XXXX and that is the amount that was paid. Do not blatantly lie and say there was no phone on the account when I have proof. I will not make another payment for this account until they prove that all the remaining charges on the account are valid. Submitted proof that I was double billed and Credence continues to assert that I owe the full amount. If they continue to report this inaccurate information on my credit files, I will seek monetary damages for slander.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, there is a {$110.00} charge. The merchant gave me a credit back since the order was cancelled. So you will see the debit and credit amount from the merchant. Chase then charged the amount again, without the authorization of me or the merchant. That is the charge of the same amount but labeled as REBILL. That should be reversed, since the order was cancelled. 

On XX/XX/2022, there is a {$160.00} charge. The merchant gave me a credit back since the order was cancelled. So you will see the debit and credit amount from the merchant. Chase then charged the amount again, without the authorization of me or the merchant. That is the charge of the same amount but labeled as REBILL. That should be reversed, since the order was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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