BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
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: Old information reappears or never goes away

Complaint:
I have wrote Experian XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results

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 2023-02-16
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:
This is my NUMEROUS 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 XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXX XXXX Balance {$400.00} ; XXXX XXXXXXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX A XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX XXXX : XXXX XXXX, 2022 ; XXXXXXXX XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: PA
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 checked my credit report and noticed multiple accounts and hard inquiries that I dont not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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:
i am a victim of identity theft. I have reached out before you cfpb and to the companies and have gotten nowhere. this shouldnt be like this. I have sent in my police reports and cfpb you guys are suppose to be here to make sure that these companies are within their guidelines. you have failed to do so. I want these accounts off my profile immediately.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019, I was approved for a credit card with XXXX XXXX for {$300.00}. During the same year I used the card to rent from XXXX to replace a totaled vehicle. During that rental I made multiple {$300.00} payments to cover the weekly rental. At the end of the XXXX submitted a final {$1800.00} bill to XXXX XXXX. The bill was paid by me thru my bank account and multiple deposits to credit card. XXXX XXXX raised my card limit from {$300.00} to {$2000.00} and paid the bill again. I made multiple calls to XXXX XXXX to dispute and provide paperwork to show bill was paid. XXXX XXXX XXXX told me she would reach out to XXXX and I never heard back. I received a letter stating amount was valid. Soon after XXXX XXXX began charging me interest on the {$2000.00}. They then raised my limit from {$2000.00} to {$2500.00} and reported to credit bureau that I was {$2500.00} over the limit. Thereafter they continued to charge me interest and dropped my credit limit back down to {$2000.00}, and reported me further over new credit limit. I refused to make any payments and continued to tell them the charge was not valid. They reported balance as a charge off of {$2000.00}. I disputed the charge with XXXX and Experian in 2019. XXXX XXXX reported balance as being correct. In an effort to clear the amount on my credit report I paid XXXX XXXX {$2000.00} under certified mail # XXXX XXXX XXXX XXXX XXXX XXXX and reported it to the credit bureau as a dispute. XXXX XXXX responded to dispute that I still owe the balance of {$2000.00}.

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 explanation
Consumer complaint received 2023-05-10
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: Account information incorrect

Complaint:
I went into XXXX XXXX XXXX in first spoke a XXXX XXXX who was the XXXX XXXX XXXX XXXX XXXX XXXX. Sh quoted me {$6000.00} for my XXXX XXXX ( the next day XXXX gave me {$11.00} ) as a trade in agreed and she told me to sit down and wait for the financial department. When the financial department agent called me into his office I said I have a offer from the bank and showed the offer was at 11 % I in turn said to that is an insult with a person with my credit score and in turn he said he will check to see the banks other offers that they have for me. As he jiggled the numbers around about seven times telling how this is another one of the banks offers I finally stood up and politely said good-bye. When I returned home I checked my Experian Credit Report and seen that there was seven hard inquiries from eight different banks. I emailed XXXX XXXX about this because she was the initial person that contacted med and I except the company representative. And she gave a story that defends her so called manager as she calls him. I and then complained to Experian that same day and also sent to letters to Experian about these fraudulent hard inquires in my Experian credit report and there still is no answer.

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 2023-05-10
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collection agency called my dad and told him I owe {$4000.00} on past due rent. Im over the age of 18 and my dad was not co-signed on the lease. This happened sometime last year. Not sure when exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I submitted a complaint with CFPB regarding excessive calls from Midland Credit on XX/XX/2023 ( # XXXX ). Response quote below. I am still receiving phone calls. Specifically, today at XXXX from number XXXX. This is ridiculous and harassment and needs to stop. 


" Per your concerns, the above-referenced accounts have been marked Cease and Desist. While they remain due and owing, we will no longer contact you unless required by law. Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX applied to the XXXX XXXX XXXX located in XXXX Texas on XX/XX/17. XXXX XXXX was assisting me with the leasing agreement during the time. I was informed that my Financial aid could not cover the full year of XXXX. I was required to have a Co signer to cover the expenses when the financial dissolved. I was also giving a time frame to contact XXXX XXXX regarding a Co signer and seeking more funds for financial aid or the lease would be terminated. I sent over an email on XX/XX/2017, stating that I am requesting to cancel my lease because of financial aid. I received a email from XXXX XXXX on XX/XX/2017 Acknowledging my email, stating that she was sorry to hear about my financial aid balance. If I have future request about XXXX please contact back. Prior to the email I was sent a denial letter stating termination because the deadline was not met for a co signer. I was emailed a welcome letter stating a lease agreement with a forged signature stating XXXX XXXX XXXX. I did not agree to proceed with the application. I have doucments showing that I lived on campus for the remaining of the year. Prior to the emails from XXXX and I stating the application cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Kriya Capital, LLC
State: MI
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 XX/XX/2023 a collections account by Credence Resource Management was added to my Credit Profile for the amount of {$2400.00} under the original creditor XXXX XXXX XXXX. The account number as per the credit bureaus is XXXX. I have never had any relationship whatsoever with XXXX XXXX XXXX, hence there is no Debt Pending. The collections account has been added fraudulently, without checking whether the information is valid or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Bank of America Account ending in XXXX was paid off as agreed. XXXX XXXX XXXX was all the payments made as agreed. Almost 1 year later they say I have a balance of XXXX or more. I called back sent over the payment history and they confirmed a glitch in their system. Talk to them XX/XX/2023 they saying its a balance of {$300.00} but my credit is say XXXX balance. Conflicting stories. Please help I feel helpless like Im being taking advantage of. 

I paid {$540.00} for 12 months as agreed now they saying they dont see 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 explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-05-12
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$62.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: TN
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. XXXX  ( Account numbers XXXX as well as XXXX and account number XXXX with XXXX. And XXXX XXXX account number XXXX. Has violated my rights 15 U.S.C. 1681 section 602A. States I have right to privacy.

15 U.S.C 1681 section 604A .section 2 its also states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Account XXXX Amount {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXXXXXX  Amount {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX. 
Amount {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account Number XXXX DAte XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX  Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX  Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file

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 2023-05-15
Company: EQUIFAX, INC.
State: DC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: KS
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX  XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
This is my 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 inaccurate 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 check my reports regularly through Credit Karma. Roughly 1-3 weeks ago, I noticed a few new accounts on XXXX end that I was unfamiliar with. Here are the accounts that I arent mine : CLOSED ACCOUNTS : 1. ) XXXX XXXX XXXX. Opened XX/XX/XXXX, XXXX Credit limit {$700.00}, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. 
Closed on XX/XX/XXXX. 

2. ) XXXX XXXX Opened XXXX XXXX. {$5000.00} loan, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. Closed on XX/XX/XXXX. 

3. ) XXXX XXXX XXXX. Opened XX/XX/XXXX. Loan of {$26000.00}, last payment on XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. Closed on XX/XX/XXXX. 


*OPEN ACCOUNTS* 1. ) XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX Credit of {$500.00}, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX 2. ) XXXX XXXX XXXX Opened ( unknown ) original balance of {$44000.00}. Last payment on XX/XX/XXXX, last reported on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, original loan balance of {$47000.00}, monthly payment {$680.00}, last payment XX/XX/XXXX, Last reported XX/XX/XXXX. 

4 ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX, highest balance of {$460.00}, reported balance of {$260.00}, last reported on XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX, Original balance of {$10000.00}, last payment XX/XX/XXXX, last reported balance on XX/XX/XXXX of {$9300.00}. 

6. ) XXXXXXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX, credit limit of {$5000.00}, last payment on XX/XX/XXXX, monthly payment of {$170.00}, last reported on XX/XX/XXXX, open balance of {$3400.00}.

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