BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX credit card did XXXX hard inquiries on my credit score because of that my credit score has negative impact can you please remove it because I do n't recognize this inquiries I do n't have XXXX XXXX credit card or I never tried to having 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 2016-01-23
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit score has gone down by XXXX points in 6 months. I have no open credit cards. I have had NO cards for over 10 years. I am trying to discover WHY my score keeps dropping? Last summer it was XXXX. Yesterday via, XXXX XXXX, it lists at XXXX! 
I am a small business owner and I 'd like to determine my correct credit standing. 
There is an old utilities bill on my report that I disputed months ago. The agencies required ( XXXX ) hard copy proof of ID and residence which I sent. I never heard back except with the same report. They did not address the inquire. They also stated I had excessive numbers of inquires. That 's ca n't be the case except for VERY recently with one last month and one last week. These are my very first applications for credit in over 10 years. What else would constitute a inquire if it does not come from an application I fill out myself. There reports are hard to read, in super small and " XXXX '' like format on the printed page. It would be appreciated if they could update their report layout for better clarity and understanding.They do n't address your questions and bog you down with copies. 
I 've lived at the same address for over ( 6 ) years and have not applied for more than ( XXXX ) lines of credit. Only XXXX was a CC and that was only yesterday. The other was with a XXXX to XXXX loan that turned me down. 
The utility is has been on my report for ( 6 ) years. 

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 2016-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
In XX/XX/2016 I ordered a credit report from Experian.  Experian signed me up for their online credit service at $24.99 a month.  I have been billed recurringly since XX/XX/2016 and only recently noticed the recurring charges.  When I approached Experian about a refund (since I have not used the service and did not knowingly authorize the service), they stated that I had seven days to cancel the service (which I am certain I did), and they had no indication that I had done so.  I had a similar issue with XXXX and they refunded me the full amount.  I believe Experian's service is deceptive and that ordering an online credit report should not be tied their onlgoing monthly service, which i believe is extremely overpriced for what you receive.  They really are taking advantage of consumers needing a 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 monetary relief
Consumer complaint received 2022-03-17
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: Investigation took more than 30 days

Complaint:
I got a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.

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 2022-07-13
Company: Colony Brands, 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:
XXXX : hard inquiry from Seventh Ave ( XXXX ) ( Finance ) - I did not authorize this transaction. I do not have the contact info for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Bank 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 2022-03-17
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on Equifax. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. Please see the item below. 

Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: NY
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 recently contacted the CFPB in regards to complaint # XXXX entered XX/XX/2022 against Equifax, the representative stated that the CFPB thought the complaint was entered by a third party, I explained to the rep. that I personally entered the complaint on my own behalf. I was instructed to resubmit the complaint and specify that I personally submitted the complaint. 
I have previously disputed the entry listed below with Equifax and they verified the entry as accurate. Stating the courts verified entry as accurate. I contacted the Bankruptcy courts and the courts response is that they DO NOT verify information with any credit reporting agencies. I also contacted XXXX and the REMOVED the public record on file because the could not verify the entry as accurate. I sent Equifax a copy of the letter I received from the Bankruptcy courts and a copy of my XXXX report the parties Equifax stated verified the information and their response is enclosed to the CFPB. 
Item disputed XXXX XXXX XXXX # XXXX It is clear that the courts do not verify information with Equifax or any credit reporting agencies like XXXX and that public records are not verifiable but information readily available to the public to see with no identifying numbers to connect to a certain individual. 
Therefore your original response verifying the items with the court which Equifax listed as verifying party on there response was either an error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C. 1681 ) and the information must be deleted immediately. 
I am enclosing a copy of my SS card, XXXX drivers license, work ID and a copy of my utility bill as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: I.C. System, 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:
They sent me stuff in the mail saying its mines collection are at address I never lived actually one is a XXXXXXXX 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 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM FILING THIS COMPLAINT IN REGARDS TO MY PREVIOUS COMPLAINT. TRANSUNION RESPONDED TO ME THROUGH THE PORTAL, I THEN RESPONDED TO THEM THROUGH THE PORTAL, AS IT IS NOW XXXX XXXX, 2015 I HAVE NOT RECIEVED A RESPONSE FROM TRANSUNION IN REGARDS TO MY RESPONSE. TRANSUNION HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. THE DISPUTED ITEM OUTLINED IN MY ORIGINAL DISPUTES MUST NOW BE LEGALLY REMOVED FROM MY TRANSUNION CREDIT REPORT. 
I am writing in regards to my original disputes referenced with the CFPB. I have disputed these alleged accounts information as inaccurate with Transunion, and Transunion has come back to me and stated that they were able to verify these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted each of the creditor listed on my credit report myself and have been unable to get them to verify that these are indeed my debt. 
I have previously enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. These debt are not mine and I was given no evidence of my obligation to pay these alleged debts to the creditor 's listed on my Transunion credit report.. 
The FCRA requires Transunion to VALIDATE the validity of the disputed items within 30 days. If VALIDATION can not be verified, Transunion is obligated by law to remove the disputed items listed in my original dispute. There is a clear case of unverified debt here, and I urge Transunion to remove these items before I am forced to take legal action. 
Transunion has legally failed pursuant to the FCRA, to VALIDATE the disputed items outlined in my original disputes and is continuing to list the illegally disputed items on my credit report I will find it necessary to sue Transunion for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Transunion in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Transunion credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Transunion. 
I look forward to a speedy resolution of this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on TransUnion. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. Please see the item below Chapter XXXX Bankruptcy 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 2022-07-13
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They have violates my rights numerous of times.

15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 
15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted a Complete modification package to Ditech and on XX/XX/2017 I was denied. I do not agree with the denial letter due to incorrect Income. On XX/XX/2017 i submitted a appeal and request for a second review of which was properly sent and received. I do not agree with the modification decision and my denial letter states that i have the right to appeal the decision within 30 days of the denial letter. I have complied with all the terms of the denial letter and have submitted my appeal to Ditech, however Ditech have not responded to the appeal and have purposely disregarded my loss mitigation assistance appeal and are proceeding with the foreclosure of my home on XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I received a notification saying that Rise had updated a charged off account to currently late which is a because its listed as charged off on my consumer reports. Now how can a charged off account be currently late? This company is willfully causing harm because they refuse to admit that I don't owe anything to them. The amount they are displaying {$4000.00} which there no validation that I owe this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mutiple calls starting from the same number followed by mutiple calls by different numbers about twice a day. When answered, there is only silence and then a redirect to a machine. When called back, only machine amswer. It asks for an account number I couldn't possibly have and leaves no other identafiable information such as asking for my name or using the last 4 digits of my cell phone number or any other information. Website leads in circles and there is no way to recover any information to use to stop their calls or recover any type of information. Overall, it's just been an unidentifiable harasser over an unidentified issue with no possible resolution on my side.

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 2015-12-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Two months back I had a balance of {$84.00} on my XXXX. Due to a family medical emergency, I could not attend to paying off this amount of {$84.00}. For that, XXXX XXXX did not even contact me thru email, phone, mail or text message and blocked my online account. So, when I tried to login, I could not and had to spend XXXX minutes over the phone to just access my account. Then XXXX XXXX, goes and reports to the Credit Bureau that I am 60 days past due. 
All my years of building a sound credit history has been hampered by XXXX XXXX customer / account maintenance service. Just want to remind that I took a loan amount and also paid it off well in advance ( 2 years prior ) and yet XXXX XXXX has gone and complaint like a child to the Credit Bureau. 
It is a shame that a Bank/Credit Card company like XXXX, can resort to such cheap tactics of hurting the customer for a {$84.00} unpaid balance. For such a reputed card company, would it not have been courteous to check with the customer and see what is happening before resorting to reporting to the bureau. When I have paid all bills prior to this for 10 years promptly with XXXX XXXX that is 120 monthly payments, should missing XXXX payment reduce my fico score by XXXX points? Also, on my other XXXX XXXX, I had a rewards balance of {$93.00} enough to cover the amount for {$84.00}. Yet, XXXX XXXX did not contact me thru. This does seem like a personal vendetta against me by some employees of XXXX XXXX who know me in person. 

Hence, I have decided, that from now on, I will never use your credit card. Neither will my family and would strongly encourage people to stop banking with XXXX XXXX. Also, social media is a powerful tool and I will mention to all my friends and to the world, how cheap XXXX XXXX is ... 
Today would be the last day that my family would use any XXXX XXXX product. 

XXXX XXXX has a lot to learn from other banks who give a XXXX time chance to the consumer. It is shame to bank with XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have contacted Experian, but they wo n't discuss anything with me or allow access to my 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 2022-03-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2020-03-10
Company: EQUIFAX, 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:
Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX XXXX XXXX. 
The mentioned account is incorrect and I have no unpaid bill on XX/XX/2018. There is no supporting medical statement showing the date. I requested to remove incorrect information from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: AR
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 last endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

Company response to consumer: Closed with explanation