BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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: Personal information incorrect

Complaint:
I have called Experian several times regarding this matter, refusal to update my personal information. Experian is holding my file under special maintenance I am not sure what this means. Under the Fair credit Reporting Act, 1681b and 1681d should be able to obtain credit reports and update my personal information. I have been unable to do so because of Experian holding file under special maintenance.

I have made this request several times via calling Experian over the last two months. There should only be one name and address on my credit reports. I am unable to obtain my credit reports because of Experian. Other credit bureaus have updated my information. In XX/XX/2022, I was told that my credit is being held by Experian " special maintenance '' department. This is one of Experians Department. I have no idea what this meant. The representative stated someone would be in touch to fix and correct this issue. No one reached out to me. The Issue has not been resolved.

I was denied health insurance because unable to verify identity with Experian. I was referred by XXXXXXXX XXXX to reach out to Experian. The representative told me he can not help me and referred me to Experian directly. After being referred directly to Experian I was told by the Experian representative to go to experian.com/upload my verifying documents. Upon uploading documents online, upload documents online failed and the site stated needed to mail in documents because of their error. 

As a result of Experian not updating my personal information, unable to obtain identification. I have been denied health insurance, denied access to XXXX, XXXX, XXXX, unable to obtain a bank account, unable to secure a job, obtain a replacement social security card, unable to remove my information from credit brokers such as XXXX XXXX, and unable to obtain my credit reports. I have mailed in documents, no credit reports, and no updated personal information. 

Under the Fair Credit Reporting, I have the right to update my information, access to my credit reports of which I have been denied these things because of Experian.

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 2021-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving calls from Portfolio Recovery in XXXX of this year, however, they never left a message and I thought it was spam and never answered. At the end of XXXX or early XXXX our credit limit was decreased suddenly for no apparent reason. After applying for a credit card and getting declined I found out that somehow I was in debt collection with Portfolio Recovery Associates for {$2200.00}. It seems that somehow my name became associated with a debt that XXXX sold it to Portfolio Recovery Associates even though I haven't used XXXX since XXXX. According to one representative at Portfolio Recovery Associates, the statements that XXXX was supposedly sending me were being sent to a house in XXXX, PA close to where my parents used to own a home but it wasn't an address that I ever resided at. 

The unpaid XXXX charges were supposedly incurred through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, and XX/XX/XXXX. Again, I have not purchased or sold anything on XXXX since XXXX and have not used XXXX since that time. 

Additionally, I never received an debt validation letter from Portfolio Recovery Associates, otherwise I would have been quicker to point out that this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
all theses address are being repoted that i never lived there XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX TRANSUNION 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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2021-12-01
Company: Avant Holding Company, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2020 I received a bill from a credit card company. Avant. I have never applied for, had possession of or made an inquiry for this credit card. I called Avant several times. They wanted my personal e-mail, address, home phone etc. When all was said and done Avant would not close the account. I am still getting a bill every month. Again, I do not have physical possession of this card. So basically, this credit card is on my credit report and it should not be. 
The following is the only information I have about Avant : Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NV
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 has been filed sent to IRS along with XXXX XXXX and a cease and desist letter. This information has also been sent to Experian and they still report on my credit and this account information has been incorrect numerous times and XXXX XXXX has already been sued for FRAUD.

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 2021-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery has reported me to credit bureaus stating that I owe them money. However, when I dispute the claim with them, the credit bureaus, the XXXX XXXX XXXX, and state agencies, all documentation they send states " This communication is from a debt collector but is NOT an attempt to collect a debt. '' Everything! They don't ask for money. When I offered a settlement, they didn't even respond. So why are they reporting me as " owing money '' if they are NOT collecting a debt and they refuse to acknowledge offers of payment? This sounds like slander and/or libel. Can you explain to me why they are NOT collecting a debt but are reporting me as owing a debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am looking at my credit report and I see fraudulent addresses that are not mine on my file. I am a victim of fraud and I am current in the process of filing a FTC report. Someone has been using my name and ss.I HAVE NO IDEAL WHY THESE ADDRESSES ARE ON MY FILE PLEASE DELETE THEM ASAP!!! XXXX! 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My name is XXXX XXXX XXXX MY PLEASE REMOVE ANY VARIATIONS OF MY NAME THEY ARE NOT ACCURATE. 
MY ADDRESS IS XXXX XXXX XXXX XXXX OH 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 2019-04-28
Company: Experian Information Solutions Inc.
State: MA
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 my XX/XX/XXXX LOC with XXXX I had a ( disputed ) bill of {$110.00}. 

This amount was due XX/XX/XXXX. 

I paid this amount in full on XX/XX/2019 XXXX reported me late for XX/XX/2019 and XX/XX/2019 on Experian and perhaps other credit reporting agencies.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: SYNCHRONY FINANCIAL
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:
Syncb/cc Inquiry from XX/XX/2021 - Finance that their customer service would not help and take care of the negative inquiries reporting to your credit report. Remove hard inquiry

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: SC
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/XXXX, I contacted XXXX about the following incorrect information on my credit report. As of today, they have not responded. 
The following account is not mine : XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$630.00}, Original Creditor : XXXX ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00}, Original Creditor : XXXX ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00}, Original Creditor : XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX ( Date Opened XX/XX/XXXX, XXXX : {$1100.00} ). Please remove it from 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 explanation
Consumer complaint received 2021-06-17
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi AMERICAN HONDA FINANCE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2020 XXXX for 30-days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They will not reinvestigate the following items : XXXX  XXXX XXXX XXXX Dept of Education 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 2023-10-24
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have sent in my FTC letters and late payment removal letters to the actual creditors and they have not responded in a timely manner and by them not responding back to me in a timely manner it's affecting my credit report because some of these accounts have been paid in full a are closed and the ones with late payments were paid off and brought up to good standing and I have asked the companies for a good will removal since the accounts were brought up to date and the accounts are paid off.

Company response to consumer: Closed with non-monetary relief