BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adjust has recently struck my credit with a a debt in the amount of {$1000.00} and has marked it as 30 days late. This is absolutely false and is not my debt. It's the only blemish on my record as I keep up with all bills on my credit weekly. Second off they are a company that buys debt from those that default to which I ask where on my credit is this debt to begin with that they bought? It does not exist. I just randomly received a 30 days late collections notice out of the blue with no account prior which was connected with said debt. This is % 100 not my debt which claims was opened on XX/XX/XXXX which was the week of XXXX which I was in Alabama visiting my parents and had absolutely no need to get any sort of loan let alone from a payday ultra expensive borderline illegal percentage rate type of loan. But as for the hardcore reasoning that should have this removed regardless if it was or if it wasn't I've copy pasted the CFPBs rules on credit reporting and it reads as follows ; When can a debt collector report my debt to a credit reporting company? 
The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting.Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

- Absolutely non of those REQUIREMENTS were met as again this just popped up on my credit report XXXX day when I never had an account to pay into or not pay into in the first place. As per your plain English rules lay out clearly and with National Credit Adjust fully aware of this being the case I ask that this be removed from my credit report immediately and ask that the National Credit Adjust organization never put anything on my credit without me knowing prior from today moving forward otherwise I will be seeking monitary compensation to include all lawyers fees and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NC
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 accourdance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX  ) account # XXXX and XXXX, account # XXXX, XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 also states a consumerreporting agency can not furnish an account without my WRITTEN instructions. 

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason or purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After looking over a copy of my consumer report recently I've noticed several accounts that's reporting to my report that's unauthorized and in violations of multiple laws. I've mailed XXXX a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me.

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 2023-01-17
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: Information belongs to someone else

Complaint:
This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the XXXX XXXX XXXX are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX XXXX XXXX XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.|

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX missed payment DEPT OF EDXXXX XXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : 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****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.

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 2023-05-08
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: Information belongs to someone else

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. Account name : 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 XXXXXXXX, 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-01-17
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXXXXXX XXXX XXXXXXXX account number # XXXX / TransUnion Credit Report 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROMIBITION ( A ) Reporting information with actual knowledge of errors 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, Duty ; a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROMIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you ( XXXXXXXX XXXX XXXXXXXX ) are a furnisher of Information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROMIBITION ( B ) Reporting information after notice and confirmation of errors information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. 
This company has caused me and my family severe harm due to fear, negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account

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 2023-06-16
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2022, I purchased an airline ticket for my trip to XXXX, using a credit card. When I was about to use the return ticket to come back to USA, I found out that my father was diagnosed with XXXX  XXXX. So I stayed back and missed my return flight. I had to buy another ticket for a week later. it has been advertised and promoted as credit card key selling feature is that it covers unexpected delay related sickness of the primary cardholder or family member. After coming back while reading through card benefits page I realized i can claim reimbursement for the ticket as it fits all the conditions stated on the benefit page. I submitted my claims to their claims department in XXXX of 2022. I have uploaded all the documents and records that they have requested. I have called them several times, waited for hours to talk to claims officers, send them several messages through their claims portal but despite all that, it is still showing Pending status for almost 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reached out to XXXX first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by XXXX. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to XXXX and Transunion XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only XXXX. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to Transunion XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to XXXX XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to Transunion. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
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 2021-10-08
Company: P&B Capital Group, LLC
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:
To Whom It May Concern : I filed a cfpb complaint against P & B Capital on XX/XX/XXXX. They responded on XX/XX/XXXX. I have since retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute. 

You have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, you must now remove the item.

Any other action or inaction on your behalf will result in a small claims action against your company.

I will be seeking { {$5000.00} } in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation