BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: FL
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:
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.

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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ON XXXXXXXX XXXX  MY DEBIT ACCOUNTS WERE HACKED. AS A RESULT, UNAUTHORIZED CHARGES OF {$12000.00} WERE MADE. 
CHASE BANK REFUSED TO PAY BACK TO MY ACCOUNTS. 
I REPORTED PROBLEMS ON XX/XX/2021 AND CHASE BANK DID NOT DO ANYTHING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a collection agency on behalf of XXXX XXXX which is an electric supplier based out of Texas. Theyre claiming I owe them {$750.00}, however, I have never been enrolled with them or used their services. An account at XXXX XXXX ( an electric utility based in Texas ) was previously opened in my name as well. I had that issue resolved but clearly my SSN is being passed around down there. I spoke to XXXX and they advised me to open a report with you. The {$750.00} is lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: KS
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:
Since XXXX of XXXX I have been dealing with Equifax and the incorrect reporting on my credit report. My latest efforts On XX/XX/XXXX are in response to my request for validation under the FCRA 809 ( B ).

Per my rights under FCRA 611 ( a ) ( 7 ) I am currently requesting a full report of all methods used to investigate and validate my disputed accounts.

This is no longer a matter between the alleged account holder ( company ) and my person because Equifax has taken the responsibility to investigate the validity of these accounts and is representing them as true. When we both know no such accurate validation has been provided to me or Equifax. Not only is Equifax reporting false information, but they are doing so without my permission on my credit report. As a consummer reporting agency Equifax is in violation of several portions FCRA and FDCRA. If it is Equifax position to continue to represnt this inaccurate and invalid information on my credit report I have no recourse but to pursue this matter in court.

I am expecting the full report of methods of validation from Equifax with 15 days of receipt of my request or the removal of all 8 invalid accounts. If I receive anything from Equifax other than the original contract between myself and the account holder on my credit report the accounts should be removed immediately by law. My notice was received by Equifax on XXXX XXXX XXXX. Thererore, this matter is to be resolved by XX/XX/XXXX. 

I have personally written and mailed all my letters and done my own filings myself and have had Equifax responds by saying they do not believe it is me. I have provided them on numerous occasions my ss card and drivers license. If their reponse to this complaint is a stall tactic like that it will be taken as failure to repond to my certified notice and request and I will be forced to pursue them in court for that violation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I contacted ditech a XXXX XXXX  to mediate purported loan. I corresponded and received confirmation of communication through XX/XX/XXXX. XX/XX/XXXX 3 people showed up at my house the one woman w/2 men who stood behind her saying nothing. she gave me a termination of right of occupancy and purported she bought home. she attempted to show me on the phone but one of the man pulled her arm back. I excused myself and they left. I called ditech and they seemed confused about the matter and would get back to me. I Than received last correspondence letter on XX/XX/XXXX about servicing transfer to XXXX XXXX  XXXX. I got a call shortly after from a lawyer purporting my home sold for XXXXdollars and he could help me. my ditech account states a last payment was made in the amount of {$53000.00} and county purports a sale of XXXXdollars. everything is noted incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TransUnion was nice on the phone. The phone is the only way i can get my credit reports because I live in XXXX. No customer service persons ever denied that my credit report couldn't be mailed to my address. After verified the information they wanted, XXXX XXXX. XXXX, XXXX from my pension company, a signed statement with SS #, and an electric bill, it would be mailed to me here in XXXX. After the hassles I got from XXXX and XXXX, what a joy to do business with. 

It appears that Transunion may have lied to me. My letter asking for my free report went out on XX/XX/XXXX. I called on XX/XX/XXXX to check on it. I was told that it was mailed out XX/XX/XXXX, and the file # XXXX was in the mail. I still have NOT received it. 

I get lots of mail from the USA sent to me here in XXXX and have never had a letter lost. I had to spend many hours on XXXX begging and pleading with several customer service people all claiming I can't mail out anything to me, ( from XXXX and XXXX ). 

It appears that Tansunion just simply lied about their intentions to keep the phone time short and the customer happy at that time.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
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:
I have no knowledge of the creation or use of these accounts. I never gave permission for these accounts to be opened. However, these accounts are on my credit report and have been harming my score.

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 2023-04-12
Company: NCB Management Services 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:
This company has refused also ignored my notices in the mail to verify the account that I have conditionally accepted with proof. NCB MANAGEMENT refused to acknowledged my certified notice.. i have mailed, sent a cfpb XXXX and XXXX complaint and they refuse to report accurate information on my consumer report.. NCB Management was removed from my XXXX and still remains to XXXX and XXXX. I also didnt recieve the 3 disclosures before furnishing negative report on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
The inquiries listed on my report have not being initiated or authorized by myself. The inquiries are a result of ID Theft.

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 2023-07-28
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: CT
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 accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX - XXXXXXXX XXXX XXXX XXXX  - Account XXXX - XXXX XXXX XXXX XXXXXXXX - Account Number-XXXX XXXX XXXX XXXX XXXX XXXX  Account Number- XXXXXXXX XXXX XXXX XXXX Account Number-XXXXXXXX XXXX XXXX Account XXXX XXXX - Account XXXX -XXXX XXXX  XXXX Account XXXX XXXX XXXX - Account Number- XXXX XXXX  Account Number-XXXX has violated my rights. 
15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To XXXX, Experian, and XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, and I haven't received any response from the 3 credit bureaus listed above.

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 2022-08-07
Company: EQUIFAX, INC.
State: MI
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 XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: PA
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:
There is incorrect information in my report. Accounts : XXXX  {$800.00} XX/XX/2021. XXXX XXXX XXXXXXXX {$2600.00} XX/XX/2021. XXXX - XXXX {$1900.00} XX/XX/2021. Public Record : XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CORELOGIC INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested mortgage information online. A representative from XXXX XXXX  called me to ask additional information. She asked for our loan information and while reviewing other details with me said that they would need a copy of our credit report. She asked for my DOB and last four of my social. I didnt think she would pull credit because I didnt provide my whole SS number. She asked about my husbands info, but asked if he was in the current loan and I said yes. She then asked for his DOB and last 4 of his social which I gave her. Again I did not think she was using this information to pull credit because she never asked if the intention was for him to be on a new loan. Her questions were deceptive and lead me to believe she was gathering information from our previous loan, not to apply for the new one. My husband recently lost his job so we arent even eligible to apply at this time. Before I could provide any of that information she said she had to check with her supervisor and put me on hold. Then almost immediately a notification email came through that a new inquiry appeared on our credit. I did not authorize anyone to pull our credit. I did not provide my full SS number or my husband. I asked the representative to remove the inquiry that I didnt authorize it and she refused. I contacted someone in member relations at XXXX XXXX  and she also refused saying that I authorized it. I did not. The questions were deceptive and misleading. Now we both have hard inquiries on our credit reports for a mortgage we never intended to apply for. If she had indicated that she intended to pull my credit I would have said no. Please see how this can be removed from our credit. It will negatively impact our scores and we did not authorize or agree to it.

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 2023-06-20
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: VA
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 been unable to access personnel when calling the dedicated toll-free numbers during normal business hours. This has been with Experian, XXXX and XXXX. During normal business hours, countless calls to the dedicated toll-free numbers received a busy signal or message indicating that I must call back because all representatives are busy. Unreasonable hold time while waiting to speak with personnel during normal business hours. Section 609 ( c ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) XXXX, XXXX, and EXPERIAN are obligated by the FCRA to report accurate accounting. I have advised ALL the hard inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed. I am now requesting ALL XXXX agencies to provide the documentation used to determine inquiry was indeed authorized by me. They have 15 days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature, I am not asking for an E-Oscar report. IF XXXX, XXXX, EXPERIAN do not provide documentation to show these were in fact authorized, it MUST be removed ASAP. SAID company 's are liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB Forms to audit my consumer account. These companies are securitizing my consumer data yet refuse to provide me with a copy of their consumer file, NOT a consumer report. 

XXXX XXXX file number XXXX XXXX XXXX XXXX Number XXXX EXPERIAN Commission File Number It is also to my attention that XXXX XXXX has charged-off a debt owed without provided me with a 1099-C The creditor sent a copy to the IRS. If I don't acknowledge the form and income on your own tax filing, it could raise a red flag. Red flags could result in an audit or having to prove to the IRS later that I didn't owe taxes on that money. Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. I have called several time to retrieve the 1099C and I'm being met with being put on hold for long amounts of time then disconnected. I am not sure if my account is flagged when I call but I cant seem to get through.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: TX
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:
This is my repeated endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$600.00} 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 2023-06-20
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX Please permanently delete these inquiries from my Law says hard inquiries are for a FIRM OFFER of CREDIT pursuant to FCRA. 
Also 3rd parties furnished information is illegal. Consumer law states 1681 604a2

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 2020-02-26
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I move out of my old apartment in XXXX. Before I moved out I called XXXX to pay off any existing balances. I received a negative collection item on my credit report in XXXX from XXXX XXXX for {$640.00}. When I called the collection agency they told me they have been sending bills to a address in XXXX Massachusetts. However, I never lived in XXXX Ma. I live in New York, I have proof of this, I pay taxes in New York and they refuse to remove the negative reporting from my credit report despite me never receiving these bills or them contacting me. I dont mind paying the balance owed but I want the collection item removed from my credit report since they never sent these bills to me or contacted me. Is this legal, what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: TX
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:
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.

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 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