BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
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: Account status incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX, EXPERIAN AND XXXX XXXX DEPARTMENT RE : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX. XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and hard inquiries XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report please remove all address, unknow theif used different address to open credit in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH 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 2023-03-16
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: Information belongs to someone else

Complaint:
I filed a ftc report because I found inaccurate accounts on my credit report and nobody is helping me to get them removed off my 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 non-monetary relief
Consumer complaint received 2018-04-30
Company: JTM Capital Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
JTM capital, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX with two men named XXXX XXXX and XXXX XXXX or XXXX. They have called threatening they have taken legal action ( which they have not ) three t Bening to.come to.my house, place of employment and garnish my.wages though no legal action has been taken. I volunteered to pay with written proof of debt and a secure payment option in which the lady in financial services began to threatened argue with Me if I did not give her my financial information. She then hung up on Me. They have called multiple times and use different legal threats each time. Harrass employment and do not follow through with simple verifiable information - written statements. The phone number they provide does not come back to a valid business, all numbers routebacktoXXXX XXXXXXXX and when questioned as to why I could not locate them on XXXX. They statically people don't use the internet. No information about their existence, phone numbers or names are not traceable as valid businesses.

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 2023-05-12
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$430.00} Balance updated XX/XX/2023 XXXX  Original creditor XXXX XXXX  XXXX XXXX XXXX  Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXXXXXX XXXX Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX  Balance {$2500.00} Balance updated XX/XX/2023 XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updated XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by XXXX  XXXX XXXX XXXX would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified XXXX XXXX XXXX XXXX that it was no longer a valid debt and that it should have been 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 non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/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 2018-04-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It has recently come to my attention that some CC companies, most notably XXXX  XXXX XXXX and Citigroup, are tracking legal firearms related purchases by their customers with the intent of denying the use of credit cards issued by them ( banks ) for such purchases. As an XXXX XXXXXXXX, XXXX and responsible citizen of the USA I find this Appalling. I am one of the tax paying citizens that bailed them out of their financial irresponsibilitys not that long ago. I believe this type of discrimination is illegal and is a direct violation of the US constitution. I will be asking the US Attorneys office to look into the matter. Also, I have credit cards issued by both of these banks and will be cancelling them immediately. 

Thank You 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 2020-12-23
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2020, LVNV FUNDING LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BAYVIEW Loan Servicing LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX FL XXXX. On XXXX XX/XX/2020 we received a letter that we applied for a " forbearance plan '' due to COVD. We never applied for this program. The letter dated XXXX XX/XX/2020, stipulates that we were required to contact the loan servicing company by XXXX XX/XX/2020. Which is more than strange, we believe what BAYVIEW has done is illegal. BAYVIEW is the new mortgage company that XXXX XXXX   transferred the servicing of our mortgage to after filing for Chapter XXXX bankruptcy earlier this year. Yes, We were behind but have since then caught up with our monthly mortgage payments. We contacted BAYVIEW customer service and were advised to ignore this letter, regardless, we NEVER requested to be placed on the forbearance plan due to COVD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Last 4 of Social Security : XXXX XX/XX/1993 XXXX XXXX XXXX XXXX, CA XXXX XXXX These accounts have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 



ACCOUNTS : XXXX XXXXXXXX XXXX {$4200.00} XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXXXXXX {$1100.00} XXXX  XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX {$180.00}

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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've sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate. 
By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to 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 non-monetary relief
Consumer complaint received 2019-10-07
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is considered a parked debt from a collection agency named Contract Callers. The only reason I knew this was a collection was because in XXXX of this year I noticed it on my credit report. I was never advised in writing. I was never contacted by the company XXXX of this debt. The debt in question is from XXXX. Contract callers is parking this debt as new collection and has it on my credit report as remaining until XXXX, as it were a new collection. I never received bill from XXXX no was I ever notified I owed money. As far as I was concerned when I move Mobile phone companies I ported my phone number because my debt was paid in full. This has been four years. Now this sits on my credit report as a new collection of which I was never informed.

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 2023-07-01
Company: Factor Trust
State: GA
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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: WELLS FARGO & COMPANY
State: WA
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 am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

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 2023-04-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have reached out to XXXX, XXXX, and experian regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX date of last activity is inconsistent.XXXX XXXX  XXXX. Date reported not consistent. XXXX XXXXXXXX date last active is incorrect please remove. XXXX XXXX XXXX XXXX high balance inconsistent. Remove. XXXX XXXX XXXX. XXXX. The account numbers are not consistent. XXXX XXXX date of last activity the dates are not same on all reportsXXXX XXXX XXXX  balance owed is different on all the reports. XXXX XXXX XXXXXXXX. High balance is inconsistent. XXXX XXXX XXXX high balance is different. XXXX XXXX XXXXXXXX date reported is not accurate. XXXX XXXX hight is not accurate on all reports.XXXX XXXX XXXXXXXX date reported is inconsistent. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX high balance is inconsistentXXXX XXXX XXXXXXXX XXXX XXXX last verified dates are inconsistent. XXXX self-reported XXXX date reported the dates are inconsistent. XXXX XXXX XXXX XXXX high balance is not 100 accurate. XXXX XXXX XXXX high balance is inconsistent XXXX XXXX XXXX date opened is not is wrong. XXXX XXXX last verified is inconsistent. XXXX self-reported XXXX. Account number inconsistent. XXXX self-reported XXXX the account number is inconsistent on all reports. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX account number is inconsistent. Hight balance is not accurate.XXXX XXXX XXXX XXXX reference number is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX XXXX  closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX bankruptcy all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all 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 explanation