BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX Bank was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2016 of my XXXX  reports were removed from my credit report. 1 XXXX XXXX account and 15 ( all ) of my XXXX/Dept of Ed accounts were deleted. I recently just disputed with XXXX  because they haven't updated my report reflecting that the 16 accounts should be removed. After the dispute they STILL have not deleted it. THEY NEED TO DELETE IT. Them not having uniform information across all 3 bureaus is erroneous. DELETE ALL 16 OF MY REPORTS THAT XXXX  DELETED PLEASE AND THANKS.

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 2021-09-22
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I received an alert from the credit reporting agencies that Afni added a new account on my credit reports without ever sending me a dunning letter. Plus, I do not owe Afni nor am I responsible for this alleged debt with XXXX. I need them to not contact me, close this account, and delete this account from my credit report. 

Account : XXXX Amount : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CL Holdings LLC
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 information incorrect

Complaint:
We moved to an address not covered by XXXX and was told we would not be penalized. I received a zero balance final bill from XXXX then I get a collection agency Jefferson Capital System and they can not provide proof of this debt. XXXX has no idea about it and says I do not owe them money. They call me constantly and have even called my work where I am on contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} XXXX XXXX  Date of inquiry XX/XX/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 2017-12-29
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:
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX. The second one has a filing date of XX/XX/XXXX with reference #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 2017-07-11
Company: TCF NATIONAL BANK
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:
I received my consumer report and it states I have reported information from TCF National Bank from XX/XX/2012 for non sufficient funds at ATM for an amount of XX/XX/2012, I was unaware of this being on my account but previously I received a call in 2012 from the bank and I explained to the representative I had no knowledge of a check being deposited, I would like an investigation done because I 'm trying to obtain a checking account through a bank and this is hendoring me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
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:
Account Name : XXXX XXXX XXXX reporting late payment for XX/XX/2022 2022

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Collection XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$570.00}

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 2021-09-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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 following information is being reported and it is all incorrect! 
CREDITOR : CREDIT ACCEPTANCE CORP ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$15000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX  XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$18000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$18000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$16000.00} BUREAUS TO DISPUTE : XXXX, XXXX CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$16000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$1600.00} BUREAUS TO DISPUTE : XXXX, XXXX CREDITOR : XXXX. XXXX, XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$130.00} BUREAUS TO DISPUTE : 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting the removal of the Fraudulent information completely from my Credit Report. I was a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act section 605b and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have read that under the FCRA section 605b the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$730.00}

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 2021-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Account status incorrect

Complaint:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : Incorrect Name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX NY Date XXXX : XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have mailed TransUnion a dispute letter on ( XX/XX/2021 ) regarding some inaccurate/ incomplete/ unverified data that is being furnished on my credit report, they have failed to respond with in 30 days and I sent out a second letter on ( XX/XX/2021 ) stating they have ignored my previous request. they have not yet responded

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 2021-09-22
Company: Novad Management Consulting LLC
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter advising that a mortgage was reassigned from Novad Management Consulting, LLC. to XXXX XXXX. However, while my address is referenced in the letter, I have no mortgage with Novad or XXXX. I attempted to contact Novad at all of the numbers listed in the letter and on their website but could not get any answer after several hours of sitting on hold. I also attempted to contact XXXX, but their number directs people to contact HUD directly and hangs up. I emailed Novad at the email address on their website but have not received a response. 

I confirmed with my county 's Recorder of Deeds that I have not entered into a loan with Novad or XXXX, nor have any of my existing loans been assigned to either of them. 

This is a fraudulent claim to hold a mortgage against my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Essential Lending Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I used you service, they are at the top of my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I disputed an account on my credit reports that is being reported by FirstPoint Collection Resources. The results of the dispute came back as 'verified and accurate '. Thus, I wrote a letter to FPCR asking them to provide me with the documents used to validate this debt. However, the letter that I wrote was returned to me due to the letter 'not being deliverable as addressed '. I checked the letter and the address matches the address that FPCR has listed on my credit reports. Thus, instead of re-sending my letter I have attached it to this complaint along with the proof of mailing. In short, FPCR needs to send me a copy of the original contract and full accounting for the amount owed, using generally accepted accounting principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to Chase numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called Chase over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking Chase to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the Chase personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: SC
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 sent a letter regarding inaccurate and unknow account that is being reporting on my credit report. 
XX/XX/XXXX Account # XXXX I have filed a FTC report also on XX/XX/2021 and this account still remains on my credit report. I feel as if I am being taken advantage of and being ignored with this dispute. This is defamation of character reporting inaccurate information on my credit report. I demand this account be remove immediately from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the wrongs hands of another person.

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 2021-09-22
Company: ENCORE CAPITAL GROUP INC.
State: TN
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 call from a debt collection agency " Midland '' informing me that I was being sued for a debt of {$4000.00} by XXXX XXXX for furniture that I did not purchase. The case # is XXXX. I have never ordered anything from XXXX XXXX. This is a case of Identity Theft how do I proceed in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violaton taking more than 30 to investigate a dispute

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 2017-12-29
Company: MRS BPO, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
MRS Aaociates called my business provided and paid cell phone  on XX/XX/XXXX asking for XXXX XXXX. I told the woman that there was no one by that name nor did I know anyone by that name. I told her she had a wrong number and not to call in the future. They called again on the XXXX and hung up when I answered. Then called again on the XXXX.  I called their number three time until I spoke to a XXXX XXXX and was told again they would take my number off but it would "take at least 48 hours"They call from different numbers that can't be called back. They repeatedly hang up When the call is answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief