BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have inaccurate information on my credit report that Experian, XXXX, and XXXX are continuing to report even after individual disputes have been submitted to each company. I had an exceptional credit score of XXXX before this fraudulent amount showed up on my credit report in XX/XX/XXXX. I have never once missed a rent payment and always pay rent on the first of every month because I have all of my bills set on automatic payments. I also have proof in the form of my XXXX checking account payment confirmations of all of my rent payments during the last year of my lease at an apartment building I lived in for four years ( XX/XX/XXXX {$630.00} and XX/XX/XXXX {$420.00} were paid via cashiers check, as required by property management company, so I dont have those email payment confirmations. ) I contacted my prior apartment complex several times and they weren't able to find any delinquencies, and I sent certified letters to the collection agency from the information in my credit report with no response. For anyone renting in XXXXXXXX XXXX, beware of these large apartment management companies -- sending me to collections for a debt that doesn't exist six months after moving to a new state is predatory and appalling. See attached documents showing recurring payments for this lease term : XX/XX/XXXX to XX/XX/XXXX. Certified mail letter sent to collections company on XX/XX/XXXX but no response from company, receipts also attached.

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 2022-07-11
Company: Estate Information Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ESTATE INFORMATION SERVICES , LLC dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH. XXXX ATTENTION : GENERAL MANAGER REFERENCE : XXXX SUBJECT : XXXX XXXX XXXX  I, XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX I am receipt of a letter that is dated on XXXX XXXX in regards to an alleged debt that is owed to XXXX XXXX XXXXXXXX XXXX  in the amount of {$2600.00}. 

I reviewed the letter and noticed that the date it was sent to me in XX/XX/2022. The letter had a completely different day to respond back to dispute the debt. The date in three areas are XX/XX/2022. 

How can I respond to a correspondence that is sent to me on XX/XX/2022 and it has XX/XX/2022 to respond back? 

I think this some type of scam and very suspicious an I want a complete investigation regarding ESTATE INFORMATION SERVICES , LLC dba XXXX XXXX practice of doing business with consumers. 

Why would I receive a letter instructing me to pay for alleged debt when all the information is different regarding how to dispute the matter? 

I know in midst of this Covid-19 era they have been loads of scams running around the country defrauding consumers. 


Please review all attached documents. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TN
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. 



XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX DHS Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for a home loan because of this negative item 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 2023-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
EQUIFAX, XXXX AND XXXX are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022, XXXXXXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I took a taxi ride of approximately 25 minutes in downtown XXXX XXXX. At the end, the driver swiped my Chase credit card several times, but he said the charge did not go through. I paid him {$40.00} US in cash, and retrieved my card from him. On XX/XX/XXXX I received several text messages from Chase, showing an attempt to charge my card, apparently regarding the taxi ride. I confirmed to Chase, by text and by a phone call to Chase, that this was an invalid, unauthorized transaction. ( See enclosed letter from me to Chase, dated XXXX, attaching screenshot of Chase text ). The Chase agent assured me that my card would not be changed, and that I did not need to do anything further. 

Despite Chases assurances, my card was charged {$250.00} on my XX/XX/XXXX statement. I submitted a written dispute on or about XX/XX/XXXX, and again on XX/XX/XXXX. ( See the written complaint documents, attached here ). Chase denied my dispute, by letter dated XX/XX/XXXX. ( Attached ). Because I had experienced difficulty faxing my dispute documents to Chase, I called Chase to make sure they had received my explanation of the fraudulent charge. Handwritten notes of my XX/XX/XXXX phone conversation are attached here, in which Chase explained that they had received my documentation, but were denying the claim because I had not produced to them a receipt for cash payment for the taxi ride. I commented that 1 ). it is not common practice for a taxi passenger to get a receipt, and its unfair to expect that I would get one ; 2 ) the credit card charge ( {$250.00} ) bore no relation to the cost of the taxi ride I paid for in cash ( {$40.00}, which was probably an overcharge in itself ), and 3 ) Chase had already assured me the day after the ride that this suspected swiping of my card would not result in a charge to me. 

I sent a written re-dispute to Chase. ( See undated letter, post XXXX, and letter to Chase dated XXXX ). I reminded Chase of their written and telephonic assurances the day after the event, that my card would not be charged. Despite this, Chase wrote on XX/XX/XXXX and XXXX, XXXX, that the transactions are valid and the {$250.00} will remain on my account balance. The charge is not valid, and should be credited on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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:
On XX/XX/XXXX I received disputed results back from Equifax after disputing a re-aged account from XXXX XXXX XXXX now listed under XXXX XXXX XXXX that is re-aging the account with new dates. Equifax is refusing deletion that the other credit bureaus deleted with no problems due to the Date of First Delinquency from the Original Creditor XXXX XXXX of XX/XX/XXXX with a schedule to be on report until XX/XX/XXXX from XXXX, XX/XX/XXXX with a schedule to be on report until XX/XX/XXXX from XXXX, and XX/XX/XXXX and states no day of deletion off credit report from Equifax. Equifax then UPDATES the CLOSED account to OPEN XX/XX/XXXX dropping my credit score. All the Date of First Delinquencies per reports do not correspond with one another to the DOFD and I am requesting Equifax to delete this account immediately from my credit report. The collection agency has re-aged this account twice according to the Original Creditors Date of First Delinquency. Please delete this account immediately. I will be reporting re-aging to the Federal Trade Commission ( FTC ) as this is a serious offense under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
I have made several attempts to have an account removed from my credit report with Experian because it contains inaccurate information and charges that were disputed with XXXX XXXX XXXX who refused to credit items I never signed off on those purchases with my own signature. 

XXXX XXXX began to allow charges from XXXX XXXX XXXX without my consent even after disputing the items. 

XXXX XXXX received a payments in the amount of {$840.00} which was found on XX/XX/2018 credit card statement. XXXX XXXX would turn around and charge a late fee the next month which showed up on my credit card statement XX/XX/2018. The current due amount listed after making an advance payment should have been XXXX for the following month because the cardholder satisfied the account with paying the minimum due for more than one month and was entitled to a longer grace period that exceeds 30 days. 

All credit reporting agencies must follow the Fair Credit Reportig Act, which states inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. Attached with this complaint is proof of disputed charges that XXXX XXXX XXXX failed to remove and concerns about charging late fees even when large payments were sent to the company to satisfy the account in XX/XX/2018 credit card statement.

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 2023-10-06
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the debt was paid in full on XX/XX/, for {$1000.00} yet debt collector ( capital accounts LLC ) kept sending collection notices, for XXXX in XX/XX/2023, XX/XX/2023, XX/XX/2023 I had to take time off of work, had to go back to the dental service provider to get a letter in XX/XX/2023 stating satisfaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Synchrony bank is in violation of my bankruptcy discharge order datedXX/XX/XXXX. There are two accounts on my XXXX  credit report that fail to mention that the accounts were discharged in bankruptcy. I have disputed the accounts twice with XXXX and after the second time I disputed it the notation of it being discharged in chapter XXXX bankruptcy was removed. On my credit this Account is still reporting as an open an active account when it has been close for years and was discharged in my bankruptcy. The other account ( Walmart ) fails to mention that it is closed. I am planning to file a motion with the bankruptcy courts to review the conduct of synchrony banks collection tactics Against me and to report their violation of the post discharge injunction. Section 623 at the fair credit reporting act States the furnishers duty when a consumer is initiating a dispute. There is also a violation of a bankruptcy discharge order. Complaints and civil suits are about to be filed against synchrony with the proper authorities And courts if this isnt resolved quickly. Synchrony bank is actively trying to collect on me for deaths that have been legally discharged by a judge and I am going to let the courts know about this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This was notme i explained to XXXX  XXXX and they sgreed to remove inquiry they determined as fraud. They have not remobed feom my transunion credit report. My info was compromised by deo florida unemployment system

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was going over my credit report and noticed some inaccurate items on my report. Reached out to the bureaus regarding the matter with all the facts and they did absolutely nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX Chase Bank sent a settlement letter to resolve a balance of {$1700.00} for the amount of {$170.00}. The offer expired XX/XX/XXXX. I attempted to reach someone by phone to see if they would extend the offer, but was unsuccessful. On XX/XX/XXXX we wrote a letter attaching the previous settlement offer, and requested the expired offer be accepted. In the letter we stated if they did not wish to extend the settlement they were to return the check to XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. The letter and check was from XXXX XXXX, my mother. We included an authorization letter where I granted her permission to work on my behalf. In effort to ensure the check was not automatically sent through an automated lockbox processing system, we taped the check to the lower right corner of the letter thus requiring manual intervention. Chase Bank cashed the check, clearing the bank on XX/XX/XXXX. Further, the check had language " Endorsement of check constitutes agreement of settlement in full ''. Per the Business and Commerce Code Title 1. Uniform Commercial Code under Section 3.311Accord and Satisfaction by Use of Instrument, Chase Bank had until XX/XX/XXXX to return the payment if they were not going to accept the settlement. Chase cashed the payment, but continue to report to the Credit Bureaus I still owe {$1600.00}. I have disputed with Chase Bank and all three credit bureaus multiple times, but Chase ignores my requests, and reponds to the credit bureau disputes that I owe the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-04-05
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation