BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, and Experian are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

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 2022-08-01
Company: EQUIFAX, INC.
State: SC
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:
Equifax, XXXX, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove this immediately. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( 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. Accounts XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX AZ XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  XXXX A Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-08-01
Company: SUNRISE CREDIT SERVICES, INC
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: Information belongs to someone else

Complaint:
Due to my identity previously being stolen fraudulent accounts periodically appear on my credit report. The account is fraudulent.

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 2022-09-28
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have received a check from one of my customers my business is XXXX XXXX XXXX XXXX. My business provides XXXX XXXX  for The XXXXXXXX XXXX They wrote me a check from their account. I have just opened an account with Chase and they locked and closed my account. I spoke with my customer who then called his XXXX XXXX XXXXXXXX XXXX XXXX who reached out to me and said they would do whatever to validate the check. That bank offered to call write a letter whatever they needed to validate. I call Chase numerous times and was told because they dont have a phone number in their system I can not access my account and the funds they paid me with will be sent to the state. The only fraudulent activity is with Chase. Myself and my customer along with their bank have gone out of the way to help Chase Bank resolve this. Its obvious their system is flawed and not the one and only way. It boils down to they dont care they dont have time to manually verify the check. Also they will not inform me on how they verify a phone number or how to get the phone number in their system as my customer offered to try and get their phone number in their system to be verified. Why would a check suspected of being fraudulent processed to begin with?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: AZ
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, 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 2021-10-20
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Lexington law is a gimmick. I laid XXXX XXXX month for a year to remove a negative remark. 
They kept saying they removed it but they truly didnt. XXXX XXXX credit card is what shows late but its not. They keep saying they removed it but they only removed it from the old credit card number. Than XXXX XXXX moves it to the new credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have requested in writing multiple times that the XXXX XXXX XXXX on my credit report with all 3 reporting agencies be verified and that they provide the procedures in which they verify that this information is accurate. 

This is the information I have requested : XXXX XXXX XXXX, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2.The name of the person at the courthouse who handled your request 3.The address of the courthouse 4.Which document you obtained to verify the bankruptcy The generic responses I receive are that they were verified ignoring my requests for the procedures that violate my rights under FCRA 611 aforementioned. 

I've also verified with the XXXX County courts that they have no role in the credit reporting process in which they made the following statement : The XXXX Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I previously wrote all three credit reporting agencies to investigate and verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from XXXX, Equifax, and XXXX lied about verifying this XXXX with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that they IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX, Docket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: FL
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:
Equifax violated my rights many times, and I have experienced difficulty. Under the 15 USC 1681, I have rights ; therefore, I ask the following accounts be removed.

Hard Inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX  with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user.

Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

Thank you

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 2022-09-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user. 
Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Here 's the short version : I recently opened a dispute about a charge on my card, by a hotel at which I didn't stay. The credit card refunded the disputed amount, the merchant refunded a somewhat smaller amount ( thereby admitting they were at fault ), the credit card therefore rebilled the double-refunded portion ( so that I wouldn't get double credit, which is completely fair ). They've now resolved the dispute by rebilling the *entire* amount. 

But that doesn't make any sense : the merchant agreed that they owed me some portion of the dispute ( hence their voluntary credit, which was rebilled so as not to double-count ). The credit card company has " resolved '' the dispute by finding that the original charge was valid. But how could the original charge be valid if the merchant admitted that it was not valid? 

Here are the original details. I was charged {$630.00}. I disputed XXXX of that charge, since I did not receive the provided service. ( I then received a credit for that amount ). I was then credited by the merchant for {$360.00}, thereby admitting that they owed me for ( that portion ) the dispute. The credit card company noticed that credit, and so rebilled my account for the {$360.00} ( since I had been credited the XXXX, and it didn't make sense to receive two credits ). 

The card company is saying that they're rebilling the XXXX remaining in the XXXX credit. But that doesn't make any sense. The merchant AGREED that they owed me {$360.00} ( and I think they owe me more ). But in any case, how can they possibly owe me any less?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over XXXX days ago and it still reports as open on 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 non-monetary relief
Consumer complaint received 2023-03-14
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:
My account information is being improperly managed, there is a 30 day late payment posted on an account in great standings and has always been in good standings, called the Mortgage company to verify there has been no late payments posted, tried resolving with each of the credit bureau 's by asking that this account be validated and verified as accurate but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Educational Credit Corporation to ask about a payment transcript they sent to me after my loans were taken out of default due to my paying the loans through a bankruptcy. I asked why the payment transcript showed that my payments made during the pandemic had been reversed back to me, but I never received them. The Customer Service rep told me that they had reversed my interest on the loan due to the COVID forbearance, but not the actual payment. I asked for a record or statement of this to be sent to me in writing. However, I never received anything in writing from the company after receiving the initial transcript. The next time I called I was told to contact XXXX XXXX as my loan had been transferred to that company. 
On my first contact with XXXX XXXX, I was told that my account had been transferred & that I was eligible for the refund of payments made during the COVID forbearance. The agent took my information & told me a check would be sent to me in the mail. After over 6 weeks of waiting for the refund, I called again & was told I didnt qualify for the COVID forbearance because of the type of loan I had. I asked why did my original loan servicer, ECMC, send me a transcript with COVID forbearance written all over it, but could not get a straight 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 2022-09-28
Company: Kikoff Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got my wallet stolen and someone used my stuff to open a card and now its on my credit sent police report from the day the wallet was stolen and also a report showing that they have my info. And dispute the action. And still no response. Which has effect my credit score so I cant buy anything with this on there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation