BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
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:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: NC
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. 

Consumer Portfolio XXXX  account # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX  XXXX ACCOUNT # - XXXX, XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # - XXXX XXXX/XXXX  ACCOUNT # - XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # - XXXX XXXX XXXX XXXX # - XXXX 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 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 2023-02-07
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: MO
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:
I have been trying to get this company to correct my information and to this day they have failed. I can not access my report at all because Equifax has so much incorrect information that I can not provide answers to the questions, they ask about things that I have never heard of or been involved with, and because of this my credit score is ridiculous, I can't do anything. I have called them and been told that even though I give them my personal information since I can't verify the items that have been reported from so called creditors they can not verify who I am, and since I can't verify who I am I can't get the report so I can file fraud charges and dispute the information. What really upsets me is that providing them with my name, my social security number, address, phone number and date of birth 3 of which are not capable of being altered is not good enough to prove who I am. Being required to use my SSN for identification which is actually illegal, should be more than enough along with my name and DOB. Their entire process is a joke, now I have been told I must send in copies of all my information to prove who I am. Their system keeps asking me about a mortgage loan from XX/XX/2015 and I have not taken out a mortgage loan or been associated with a mortgage loan in over 15 years, I have NO credit or department store cards or accounts and I have had no student loans in the past 10 years. I should not be punished or held responsible for their company collecting wrong information. I use XXXX XXXX and according to the information they have from Equifax I only have 3 accounts on that report and they are all closed. So, where are all these questions coming from?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A XXXX XXXX " the Bank '' credit card was opened in my name without my permission as a result of my XXXX account being hacked. A purchase of {$2000.00} as made on the card without my permission. The fraud investigation process with XXXX XXXX is a joke. The claim was denied without the Bank even contacting me in person to gather facts. When I contacted the Bank to inquire of the claim status, they told me the claim was closed because I gave out my personal information ( so the card could be opened in my name ). That NEVER happened. I do not believe the Bank followed due diligence to fully investigate before denying my claims. The claim was just denied.

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 2018-07-30
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I submitted a debt verification letter to TSI in response to their collections credit reporting of private student loans owned by XXXX. This letter asked for full verification of debt including but not limited to documents showing chain of custody and TSI 's right to collect on the debt. TSI replied back with a packet postmarked XX/XX/XXXX with information showing a loan/request credit agreement -signature page, note disclosure statement and loan payment history for loans taken out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. TSI provided no information showing they had the legal right to collect on the debt by providing chain of custody paperwork showing transfer of custody from the original creditor XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX )  to XXXX XXXX XXXX, and from XXXX to XXXX XXXX XXXX. The CFPB settlement with TSI specifically states that TSI " Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Velocity Portfolio Group
State: NC
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:
Find CKS Prime on my credit report as attempting to clean it after a care provider took advantage of this XXXX veteran. Upon contacting CKS prime, I was told they hold the account for Velocity Investments at XXXX ( XXXX ) XXXX, and could not work with me. I called the number, and was received a recording for medic alert, and given the run around. I do not recognize these charges on my credit reports, as I would not, with a con-artist care provider abusing my money and credit while also playing a romance scam. I am just trying to clear my credit report, and given the run around, not even able to pay anything off if that were my intentions. Since CKS Prime can't verify Velocity investments they claim they are holding for, or give me contact to resolve anything, please remove all of those items from my credit report.

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 2020-07-18
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced recovery co {$470.00} debt, which only reports to XXXX   that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX IS INCORRECTLY REPORTING ME AS DECEASED IN MY CREDIT FILES. I AM NOT DEAD. I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND PROVIDED THEM WITH PROOF AND THEY ARE NOT CORRECTING THE INCORRECT REPORTING. EQUIFAX IS COMMITTIMG A FRAUD ON ME AND REPORTING ME AS DEAD WHEN I AM CLEARLY NOT DEAD IS A FEDERAL CRIME. I HAVE ALSO CONTACTED MY STATES ATTORNEY GENERAL AND TALKING TO A LAWYER TO FILE A LAWSUIT FOR FRAUDULENTLY REPORTING ME AS AS A DEAD MAN WHEN CLEARLY BASED ON THE EVIDENCE THAT I PROVIDED I AM ALIVE.BASED ON THE FRAUDULENT INFORMATION PROVIDED BY EQUIFAX I AM UNABLE TO GET A CAR OR A HOUSE AND LIVE MY LIFE BY CLEARLY BEING NOT DECEASED. 
PLEASE DO YOUR JOB AND FIX MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use 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 non-monetary relief
Consumer complaint received 2018-08-17
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This company has allowed a credit card to be opened fraudulently in my name. 
XXXX XXXX I have already provided an identity theft report and I am not recieving any assistance from this company on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a complaint against XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Mn. 55125.My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca.XXXX.Some time ago I opened a checking account at XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX added a feature called " bill pay '' without explaining to me that there were risks involved in having that feature, and they then paid XXXX fraudulently submitted bills out of my checking account without asking me whether the bills were legitimate, which they were not. I was then held " responsible for the " debt '' so created, and reluctantly paid it off as soon as I could, even though it was not my fault. Nevertheless the matter was reported to XXXX XXXX by the XXXX XXXX and XXXX XXXX has been barring every attempt by me to open a new checking account, such as at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and so on, all based on derogatory information from XXXX XXXX  XXXX XXXX XXXX XXXX even closed down my existing checking account based on derogatory " information '' from XXXX XXXX   XXXX XXXX XXXX has no business causing me harm this way, especially since I paid off my falsely create " debt '' so-called to XXXX XXXX XXXX XXXX XXXX and have had no defaults anywhere. I called XXXX XXXX   over the phone but received no satisfactory information from them. They would " disclose '' nothing. They would not answer any questions nor provide any relief. I appeal to CFPB for help with this problem created by XXXX XXXX XXXX and would like CFPB to stop XXXX XXXX from doing all this to damage my reputation. Thank you, and I look forward to a favorable response.

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 2023-02-07
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: Account status incorrect

Complaint:
XXXX XXXX continues to unlawfully report account. I inquired and elected not to move forward with account given type of account and requested that they not only cancel application but furthermore delete my info entirely from their database as verified by documented disputes from over 5 months ago preceding any such reporting to XXXX  I do not have a phone, email or ach attached to any such account. I have attempted to reach them via phone, email and usps as well as oversight They allege they deposited a minute amount of {$90.00} I combed through and see no such deposit and there is not ach associated per last contact I even stated in writing over 5 1/2 months ago i would be happy to pay instant via certified funds debit as long as they refund me whenever they received this deposit back as I see no mention of any deposit anywhere I have significant documentation that shows lengthy dispute process and I have been contacting them for 5 + months and that I offered to pay 5 plus months ago even while under documented dispute Additionally they continue to report in error they have now not only cost me considerable time lost towards rectifying XXXX XXXX further impugned my character cost me thousands in credit a clearance and mortgage approval in which I intend upon seeking damages for if they do not remove this immediately from XXXX and delete my info as requested in writing and acknowledged by then 5+ months ago

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 2021-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Paid off an installment loan and it drop my FICO score 23 points, with Experian. My score has been going up and utilization down. But when my installment loan was paid off my score should have went up not 23 point down.

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 2023-01-26
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. This account is listed late and a charge off and that is incorrect. The following accounts were never late and should be listed as PAID or PAID AS AGREED. 

Account Number : XXXX Company : JPMCB CARD Address : XXXX XXXX XXXX, XXXX, DE XXXX I was never late on XX/XX/XXXX. This account was not a charge off either. It incurred fraudulent charges that exceeded the credit limit allowed by Chase. I talked to Chase customer service about it and they told me to pay off the original amount which I did. They never told me it will be reported late or charged off during my conversation with them. The account was settled in full in XX/XX/XXXX. However, they continued to report it late and as charge off till XX/XX/XXXX. There are also inconsistencies in how it is reported to different credit agencies. For example on XXXX it says " late '' then says " XXXX XXXX '', then says " Negative ''. On XXXX it says " Charge Off '' which is incorrect since I paid it as agreed. On XXXX it says " Payment after charge off '' which is incorrect as well. This account NEVER went to collection and it was never charged off. I paid it off to Chase as agreed with their customer service agent. 

In accordance with the Fair Credit Reporting act, JPMCB  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602a states the Accuracy and fairness of credit reporting. I feel the account number above has been reported incorrectly across different credit agencies.

Company response to consumer: Closed with explanation