BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
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: Account status incorrect

Complaint:
Account number : XXXX Account name : XXXX XXXX Having reviewed my credit report and found multiple errors, inconsistencies, and inaccuracies on it regarding this account, I have formally entered a dispute with each of the three major credit bureaus as to the accuracy of this account. I was told that it was " valid '' after their investigation without being provided information as to who they spoke to in their investigation, what led them to conclude that it was verified, and what led them to believe it was my account or debt in the first place. 

This collection account is reported as " open '' and also is showing a past-due balance of {$1200.00}. Additionally, XXXX is showing it as OK/Current. 

15 USC 1681e ( b ) states : " Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have disputed this inaccuracy to no resolve.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX XXXXXXXX XXXX XXXX / EXPERIAN Amount Type~ Collection Date Opened XX/XX/XXXX XXXX  Collection Acct- {$1000.00} past due XX/XX/XXXX Balance Updated- XX/XX/XXXX Terms XXXX Months - On record XX/XX/XXXX XXXX DIDN'T DO ANY OF THIS THIS IS FRAUD AND IDENTITY THEFT FOR SURE. HAS BEEN GOING ON FOR YEARS AND I'D LIKE TO BE REIMBURSED FOR EVERYTHING!!! MY CREDIT IS RUINED I CANT DO ANYTHING FOR MYSELF IM REPORTING TO POLICE AS WELL. 

XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX - XX/XX/XXXX They're Taking XXXX Dollars on my XXXX XXXX XXXX and Another Collection Worth XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Advance America was a payday loan company that went out of business. There wasnt a credit check done to get approved for the loan, but they changed ownership and now are reporting it on my credit without giving me a chance to pay the loan back after they closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: National Credit Systems,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:
There is an apartment on my credit that did not belong to me. No one has contacted me from the company to notify me of the debt to dispute that it was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Chime Financial Inc
State: OK
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:
I lost my wallet and debit card for several hours on the XX/XX/XXXX had it returned eventually. 
Chime spending acct debited XX/XX/XXXX @ XXXX XXXX XXXX XXXX charged card {$140.00} XX/XX/XXXX unauthorized charge reported claim XXXX new card issued to replace debit card XX/XX/XXXX Chime denied claim XX/XX/XXXX requested documnts used to make decision advised of dissatification with decision. 
XX/XX/XXXX chime advised to resubmit rebuttal with docs to claim XXXX XX/XX/XXXX chime received request for documents in decision 10 day window on response XX/XX/XXXX Contacted member services complaint on dispute department XX/XX/XXXX rebuttal along with screenshots of transfer from external accoounts to chime on day of. 
XXXX/XXXX/XXXX claim XXXX denied XX/XX/XXXX rebuttal with info received from merchant verifying someone else used card XX/XX/XXXX chime denied claim XX/XX/XXXX rebuttal with copy of charge from merchant showing someone elses name on acct card was used on XX/XX/XXXX contacted member service they escalaed issue beyond dispute dpartmenet XX/XX/XXXX chime denied XX/XX/XXXX received documnts from chime decision XX/XX/XXXX contacted merchant to provide sttmnt of chagrge XX/XX/XXXX rebuttal XX/XX/XXXX chime denied XX/XX/XXXX XXXX XXXX all docutmnts snt XX/XX/XXXX documents from decision XX/XX/XXXX chime denied XX/XX/XXXX final attempt explaining situation with documnts XX/XX/XXXX chime denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: OR
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 with product or service terms changing

Complaint:
i have disputed the accounts multiple times with XXXX, XXXX and Equifax stating that the accounts are closed and the balances are paid which were included in a discharged bankruptcy over 10 yrs ago. and the accounts are still reporting negative on my credit reports i will like for the credit agencies to REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 Contacted XXXX XXXX XXXX XXXX  Acct Mgr XXXX XXXX, notified him XXXX  made a mistake this was never in collection and I paid {$100.00} off last year and closed this account. I asked him to remove this Fraudulent reporting from all 3 of the National Credut Bureaus, he refused, and admitted they are representing XXXX  and The Law Office of Maury Cobb who is also collecting this fraudulent debit. I ran my 3 credit reports 6 months ago and thus was not on my credit report. Just this last week, it is now on all 3 Credit Bureaus being reported from the year XXXX, XXXX, XXXX, and XXXX - HOW CAN THIS BE! I sent XXXX an email regarding all this a week ago and they have never replied, but yet my membership with XXXX notified me just recent if all this " 7 '' times that it was reported against my Account and Social Security Number. I made a total of 4 calls this morning, all calls to XXXX were recorded and the 1 call to the Law, Office of Maury Cobb was also recorded, the female named XXXX from this Law Office was Argumentive and sarcastic polietly and refused to remove this fraudulent account. 

I Notified both XXXX XXXX XXXX  and The Law Office of Maury Cobb today that this account was paid off a year ago, and it's on my credit card and never in collections, and requested they remove their fraudulent reporting from all 3 National Credit Bureaus from my Social Security, because the are reporting fraudulently and ruining my credit score that is affecting my credit/ FICO score to obtain Credit. They BOTH REFUSED TO ASSIST ME.

( I also requested they put all my conversations and the info I'm supplying to them today in the notes of my account for future reference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
First date of delinquency XX/XX/XXXX on a joint account opened XX/XX/XXXX. I was co/signer on account. The account was never brought current and surrendered in XXXX. The account was closed XX/XX/XXXX and bankruptcy was filed by other party not myself. The account was reported closed and showed not reported until XX/XX/XXXX was vehicle was sold. During all of remainder of XXXX, XXXX, XXXX, until XX/XX/XXXX I was showing account closed. I opened a credit card with XXXX  XXXX and XXXX card through them doing this time. No late payments with no other company until this shows up as XXXX dates in XX/XX/XXXX. This has now denied me credit increases with them after saying I was recently late and this is false, I want it fixed due to its too old to report since my date of first delinquency was XX/XX/XXXX and vehicle was closed and sold. This is terrible to do this to someone for something so old

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 2020-01-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Consumer Financial Protection Bureau : I am again appealing to your organization for the umpteenth time. I am being treated unfairly by TD Bank, N.A., TD Bank has illegally confused my account and now it shows me as being delinquent again. This is not true, it is a bank error as admitted by TD Bank themselves, they lie about providing proof of the error and they also claim that they have fixed the error and now they will not provide a letter stating that the problem has been fixed. When I inquire of the letter they simply reply that they need several signatures to approve my getting a letter showing proof that the problem has been corrected. 

This is a second complaint ( a new one ) against the same bank ( TD Bank ). I am being singled out as retaliation for filing a complaint against TD Bank in XX/XX/2018. And now they want to attack by confusing my account to make it appear that I am in default so that they can illegally take my home. 

Very truly your, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
2. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
There is a Derogatory Public Record or Collection Filed note on all three of the Credit Reporting agencies. 

I have no knowledge of any collection being filed. 
Previous collection file was due to an error through a debt consolidation company and the hospital they were attempting to pay - but the collection was dropped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Alco Collections, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$580.00} Date Account Opened XX/XX/XXXX I paid it off and wasnt removed off my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: TX
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:
My credit consumer report withholds inaccurate information communicated from XXXX, Equifax and XXXX. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
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 : # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX : # XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXXXXXX XXXX XXXX XXXX XXXX  XXXX have 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I needed to put a freeze on my credit account because apparently it got leaked from multiple sources. EXPERIAN forced me to create an account in order to place a security freeze. Ever since, they have been spamming me. Their emails beg me to sign up for more monitoring or other bogus services they offer. 

For example, they spam me constantly telling me that I have a new credit alert to review. But all the credit alerts are just that my credit card balance changed. It changes every time I swipe! It changes every couple of weeks when I make payments. It changes when the balance goes up or the balance goes down. They are using this as an excuse to send spam, and they won't let me opt out. 

Another example, they send " reminders '' for me to check my credit. But the reminders are full of marketing for " experian boost '' and other bogus products. 

XXXX XXXX XXXXXXXX It says they were penalized but they are still spamming me! I never asked to be a " customer '' of this company, I just needed to freeze my account. 

I contacted your customer support and they just gave me the runaround, insisting that the only way to stop the spam was for me to cancel the account. But then you'll go ahead and start sharing my personal information again ( because the freeze doesn't work unless I have an 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 explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX. I am a victim of identity theft. I filed an FTC report. and notified the Experian, XXXX, and XXXX about the fraudulent accounts. I sent the information via certified mail.

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 2022-02-24
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am XXXX XXXX the natural person and Consumer. I'm making this complaint in my behalf and there is no third party involved. On XX/XX/2021 Synchrony Bank ran my credit without my authorization. Resulting in XXXX XXXX decreasing my credit limit from {$7000.00} down to {$4400.00}. Making my utilization very high. Synchrony Bank is in violation Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) - credit transaction that is not initiated by the consumer.

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 2019-11-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX For XXXXExperian & Attorney General/Consumer FinanceXXXX. 
XXXX : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX ACCT : XXXX AMT : XXXX XXXX ACCT : XXXX AMT : XXXX Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX 2019

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