BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Despite having credit freeze and fraud alert, Experian placed 4 hard inquires the same day on my account. They refused to conduct an investigation or even provide details on who made the inquires. They keep putting me on hold and hang up on 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 2022-12-28
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-27
Company: Experian Information Solutions Inc.
State: SC
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:
To whom this may find, on XX/XX/22 I pulled a copy of my consumer report and discovered that 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  COLLECTIONS & XXXX  # XXXX, Account name : BANK XXXX XXXX # XXXX, Account name : XXXX XXXX BANK XXXX # XXXX, Account name : XXXX XXXX BANK XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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. 


I did not give anyone my consent to reporting these accounts, these items are disturbing my livelihood, attempts to secure employment, housing and puts me in danger of predatory lending and high interest rates.

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 2023-05-09
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
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: Public record information inaccurate

Complaint:
RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts 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 XXXX XXXX XXXX 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 2021-09-07
Company: TD BANK US HOLDING COMPANY
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:
XXXX Please review this updated complaint I submitted the wrong bureau letter in previous complaint*** A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. On XX/XX/ and XX/XX/ I sent letters to the credit bureau 's and creditor. The repossession was removed from XXXX and XXXX  but not from XXXX. The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CCS Financial Services, Inc.
State: OH
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: FL
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 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts 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 XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Left my insurance company, before due date, security number, car, insurance company, company server, still owe them money, at the time of leaving insurance company, bill was paid in full

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Adjusters would verify the debt. So I took it upon myself to ask National Credit Adjusters for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In response to a previous complaint ( XXXX submitted on XX/XX/2022 ) where I have disputed by providing you the actual credit report from XXXX and XXXX showing you a 3-column table of how XXXX XXXX XXXX  is reporting and furnishing inaccurate information to my credit report. Trans Union you violating my consumer rights under FCRA. The XXXX XXXXXXXX XXXX XXXX account, your company, Trans Union, is continuing to report this erroneous account with inaccurate information being furnished as of the amount of the alleged account, the status of the account to the payment status in dispute. XXXX has deleted this inaccurate account and you are continuing to report this information. I have attached a copy of the XXXX report. Your company 's reinvestigation procedures are not reliable, so I believe that if your company, Trans Union, can see how another reliable company should perform reasonable investigations. If you do not proceed with the results of DELETION of this inaccurate account, I will be forced to seek legal representation for monetary damages. 

I request that your company, Trans Union, email and mail me a copy of the results of the DELETION and mail me a copy of the updated credit report showing the deleted XXXX XXXX XXXX  XXXX 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 2018-05-04
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was enrolled as a full-time student earning my XXXX. at the XXXX XXXX XXXX  for 8 years. I borrowed $ XXXX in Federal student loans. I have worked for non-profit safety-net health facilities and medical schools since XX/XX/XXXX. I transferred and consolidated my loans in the XXXX XXXX XXXX XXXX XXXX as soon as I found out about the program, approx XX/XX/XXXX. My lender was AES in PA. In XX/XX/XXXX my debt transferred to XXXX. My payments were often beyond what I could afford, I asked for forbearance or deferment several times over the years. I have been paying between {$170.00} and currently {$650.00} a month for my student loans since XX/XX/XXXX. I now discover that I HAVE ONLY MADE 3 QUALIFYING PAYMENTS toward the 120 payments required for loan forgiveness. This is a bait and switch and a slap in the face. If this program is intended to reward public service, it is a failure. If this is intended to assist those who choose public service, it is a failure. Someone, I don't know who is profiting GREATLY from my payments and in exchange, I am receiving nothing. There is no appeals process and no room for renegotiation. It would be reasonable to examine how much I would have paid under the " correct '' type of consolidation compared to how much I have paid and tell me the difference, if any, in order to pay the required amount to qualify for forgiveness. The Employment certification form OMB no. XXXX exp Date XX/XX/XXXX states that 4 different repayment plans [ REPAYE ; PAYE ; IBR or ICR ] qualify for this program which is also confusing.Becuase I am being told that only IBR qualifies?! As it stands I have probably paid back $ XXXX of the original $ XXXX but I am being given credit for less than $ XXXX in qualifying payments! My balance owed on these loans is about $ XXXX. Their horrendous customer service is motivating me to see how I can pay this off and prevent them from making any more money off of me. This is my second largest bill every month and I am treated like a thief when I call them. I don't know if it makes sense for me to stay with this program or perhaps I should just try to get a lower monthly payment with one of their other payment plans and forget forgiveness, although it appears the others DO qualify, despite what I am being told? I need an advocate to help me understand this and fight for me but I doubt one lawyer would stand a chance. Thank you.

Company response to consumer: Closed with explanation