BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: JPMORGAN CHASE & CO.
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXXXXXX BANK has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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 2022-12-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX score from increasing.

The four companies are : 1. Midlantic Funding XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security. 

Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. 

Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now. 

Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 

Thanks, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
It appears that my credit file has been compromised. I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these accounts as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1900.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$230.00}

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and there are XXXX inquiries that I did not authorize. I have filed Consumer Fraud reports with the FTC for all three Inquires including XXXX XXXX Complaint. I also contacted TransUnion by phone after they failed several times to remove the inquiries when I requested them to by mail. The file number they provided me with is XXXX The Inquiries are the following, XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-25
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX  # XXXX XXXX XXXX {$1700.00} XXXX XXXX  # XXXX {$2200.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX vs Transunion, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal 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 non-monetary relief
Consumer complaint received 2022-07-30
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 a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 2021-09-01
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 was sent drivers license, social security card, Several FTC reports with updates as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX 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 explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, XXXX and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 2022-07-30
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$99.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX XXXX XXXXXXXX, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information. 

How did you talk to? 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update all late payment, all late payment was made on time XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
19. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account 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