BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1000.00}, 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 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-06-28
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:
This is my 16TH 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2000.00} XXXX 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 2023-10-26
Company: Experian Information Solutions Inc.
State: MD
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'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: VA
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 XXXX  account numbers XXXX, XXXX and 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

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: EQUIFAX, INC.
State: NJ
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX my Chase Freedom credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$10000.00} to {$3300.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my XXXX credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to  their customers private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: ND
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 a very bad situation XXXX, Experian are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in XXXX  going on almost 2 years. When I am really in XXXX  or what If I am XXXX  but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its XXXX  XXXX they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, Experian say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a XXXX or XXXX  or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in XXXX XXXX  as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in 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 2022-07-05
Company: Experian Information Solutions Inc.
State: TN
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've recently pulled my credit report and noticed some unauthorized inquires reporting to my credit report. I need these inquires removed at once because due to FCRA anything reporting to my credit that is not accurate must be removed at once. The inquiries are listed in the letters attached below about the unauthorized inquires to each bureau. I do not won't to file for litigation but will if necessary. Thanks for your help with this effort.

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 2019-10-12
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ EQUIFAX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: ND
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 a very bad situation Equifax, XXXX are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its XXXX  XXXX they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX Equifax, XXXX say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in New York as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 a very bad situation XXXX, XXXX  are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its Capital one they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, XXXX  say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in New York as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in 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 2020-12-11
Company: Shellpoint Partners, LLC
State: MA
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:
Dear Shellpoint Mortgage Svc : Please be advised that all debt associated any account which you are servicing was discharged in my Massachusetts Chapter XXXX bankruptcy filed on XX/XX/XXXX. I received my discharge on XX/XX/XXXX. A copy of the discharge is attached. The debt you continue to seek to collect was not reaffirmed. 
In fact, the debt you are attempting to collect was the result of a mortgage on property located in XXXX, Massachusetts, being, XXXX XXXX XXXX XXXX XXXX. It is not in reference to the property known as XXXX  XXXX XXXX XXXX XXXX which you continue to refer to. Please check your legal description. The property known as XXXX  XXXX XXXX XXXX XXXX was foreclosed in XXXX by the condominium association as a senior lien holder. A portion of your lien was paid and the balance was discharged in bankruptcy. YOU DO NOT HAVE A MORTGAGE ON ANY PROPERTY WITH RESPECT TO THIS DEBT. IT IS ENTIRELY UNSECURED AND I DO NOT HAVE ANY PERSONAL LIABILITY ON THE DEFICIENCY ON THIS NOTE. 
On XX/XX/XXXX you reported an account with a balance owing of {$350000.00} and as current payment status 120-149 days late and worst payment status as 120- 149 days late. This information is inaccurate as the debt has been discharged in my XXXX Chapter XXXX bankruptcy and I have no further liability. You report this account as opened on XX/XX/XXXX. To date Shellpoint continues to report this account as delinguent 120 days, 7 missed pmts, etc. and continue to increase the amount of liability, i.e. currently {$360000.00}. This reporting violates my rights pursuant to my discharge and has resulted in financial damages. As a result, I AGAIN hereby demand that you remove this account IMMEDIATELY AS WELL AS ALL these remarks and other derogatory ratings from all reports to all three credit bureaus immediately. 
Your continued reporting is a violation of my discharge granted pursuant to the bankruptcy laws. I have made numerous calls to your company in an effort to settle this amiably but all to no avail. Your reporting is affecting my credit reports and I am suffering monetary damages as a result. If I do not immediately receive confirmation that this has been corrected, I will pursue your company for damages and attorneys fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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:
Please immediately REMOVE the following INQUIRIES from my Equifax credit report as requested by XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Letters attached. Thank you. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation