BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: WI
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Credit Bureau Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/2016 send a dispute to the Credit Reporting Agencies indicating that the account is not accurately reporting. 

Subsequently, on XXXX/XXXX/16 the Credit Reporting Agencies indicated that the collection agency verified to the credit reporting agency that the account was being reported accurately. 

On XXXX/XXXX/16 I faxed a letter to the collection agency to the attention of XXXX XXXX. The letter stated that i was not sure how they were able to verify accurate reporting and asked if they did in fact verify the reporting or if the credit reporting agency was at fault. 

On XXXX/XXXX/2016 I received a notice from the collection agency reiterating what was already reporting. HOWEVER, they did not answer my inquiry. I requested to know if they did in fact verify that the account was reporting accurately between XXXX/XXXX/16 and XXXX/XXXX/16. I can only assume that no validation of the debt exists. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Further, under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: LJ Ross Associates
State: CO
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:
On  XXXX   XXXX  I was informed  that lj Ross and  associates had a collection in my name for {$11000.00} and when I call to inform them the the information that they had was wrong they told me it was not there job to fix the information and to dispute it but if I dispute the information then I would lose the loan for a house that I am trying to get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is improperly and fraudulently verifying information with for an account that does not belong to me. It was opened in 2009 with XXXX XXXX and I have never even involved with the company. I contacted them and sent them my police report and identity theft report filed with the FTC. And they have closed that account and I can not understand why Transunion is still reporting it. I have included a copy of the letter. I will file another complaint with the FTC with Transunion and seek other legal measures if this is not removed from my 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 2017-02-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am the XXXX of the XXXX of my mother, whom the XXXX Supreme Court of XXXX has determined to be an Incapacitated Person ( XXXX ) under XXXX state law. 

On XX/XX/2015 the XXXX Department of JPMorgan Chase Bank, N.A., sent a letter to the XXXX indicating that they had received a garnishment order and outlining the debtor 's rights. However, Chase did not send a letter to me, despite the fact that ( a ) XXXX is legally incapacitated, ( b ) I am her guardian under law, and ( c ) the address to which Chase sent this letter is not in any way associated with the account that was garnished. 

By sending this letter to the XXXX instead of myself as her guardian and legal account-holder, Chase failed to provide adequate notice of this garnishment and possibly deprived her of her legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter certified to XXXX, Experian, and XXXX disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and XXXX, Experian, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.

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 2020-03-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter certified to XXXX, XXXX, and Equifax disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and XXXX, XXXX, and Equifax have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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: Account information incorrect

Complaint:
To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on XXXX occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my XXXX credit report. However, during that same time period, I was reported as " on time '' on my Equifax and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; 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 XXXXXXXX ; XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2020-03-31
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:
while checking my most recent credit report i notice accounts and inquiries that i did not authorize or apply for.

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 2020-03-31
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:
while checking my most recent credit report i notice accounts and inquiries that i did not authorize or apply for.

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 2022-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : $ XXXX-Late/Open Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I live in Florida and because of the pandemic I lost 30 % + of my income starting in XXXX when the Stay at Home order was enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-01-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were two unauthorized transactions from my Chase bank business account. 
Business name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX First attempted by XXXX XXXX on XX/XX/2020, which the transaction, {$5000.00} was completed and second attempt by XXXX XXXX XXXX on XX/XX/2020, but the transaction {$5000.00} was rejected. Chase has not refunded the loss {$5000.00}. 

1. XXXX XXXX XXXX address : XXXX Chase bank transaction numberXXXX 2. XXXX XXXX XXXX Mobile number : XXXX Chase bank transaction numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2022-09-09
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, This is my second report in 3 years. I am victim of identity theft and the follow credit card was opened and used without my knowledge. 

Original Creditor : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Original Acct # XXXX Current Account Balance : {$9900.00} I have been harassed by collectors in the several years. Since my original report has expired, I am opening a new one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: JPMORGAN CHASE & CO.
State: CA
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 purchased vitamins from XXXX XXXX XXXX for XXXX which I authorized on XXXX XXXX XXXX. 2 Weeks Later on XX/XX/XXXX they charged my debit card XXXX which I did not authorize. I have talked to my bank ( Chase ) and this Company because this was a mistake. I could not get help from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: MD
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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries and inaccurate addresses reporting on my personal credit report. I contacted the company and asked them to remove their inaccurate information from my credit profile. I request that 3 CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate addresses on my credit report. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries inaccurate addresses as soon as possible : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX Inquired on XXXX XXXX, 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation