BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am formally requested that XXXX validate all tradeline listings that had been submitted to the three major credit reporting agencies for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also requested a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed because of returned, faulty, or recalled consumer products, was not utilized as profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that also requested competent evidence that I had some contractual obligation in relation to the Debt. 

None of my requests were answered in the past year. 

I have also been the victim of : Contacted me before XXXX XXXX. 
Attempting to collect a debt that does not belong to me Threatening legal action and arrest Calling after I requested you to stop Lying and pretending to be lawyers Contacting my family, and friends, about my debt

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 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 I mailed XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX a debt payment plan contract offering to pay {$25.00} per month until my debt is paid. XXXX XXXX accepted the terms of my contract by cashing my post-dated check. XXXX XXXX is reporting that my account ( s ) is delinquent on my credit report. XXXX XXXX   cashed my post-dated checks early. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( XXXX ) XXXX XXXX Mastercard / XXXX  Acct # ending in XXXX XXXX Mastercard / XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 According to my XXXX account online records, I owe {$6000.00}. I am not disputing this debt but, my financial situation does not allow me to pay off the debt using the minimum payments that you're demanding. 

I agree that I am able to pay {$25.00} ( XXXX dollars ) on  the XXXX of every month starting XX/XX/2019 until the debt is paid off. I would appreciate a confirmation letter from you documenting your acceptance of my payment terms. However, if I do not hear from you, I will consider your cashing or depositing my check as confirmation that you accept my payment terms. My rights are protected under the law and refusal to accept my payment terms will void/cancel the debt. If my payment terms are rejected I expect the payment to be returned to me immediately in the enclosed self-addressed stamped envelope. 

*** A COPY OF THIS DOCUMENT WILL BE PROVIDED TO XXXX, TRANSUNION, XXXX  & THE FEDERAL TRADE COMMISSION. ***

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 2022-03-24
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Talked to SEQUIUM ASSETS SOLUTION of XXXX XXXX told them I had not used XXXX for more than XXXX years and all bills from XXXX were paid by the XXXX XXXX. And I also paid for a bill in full back in XXXX of 2020. I asked them to provide proof they didnt have it and all they said they will report me to the XXXX XXXX and impair my credit. I complaint to XXXX which was the first I knew and they never answered. To my knowledge this account is being sold to difeerent companies which are barred from collect the money and they claim they just reported. I need your help. Look at my credit and I just found out becuase I went to buy a washer at XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage is incorrectly reporting late payments on my credit when I had a loan modification in place. Additionally, Carrington Mortgage lost my modification documents then approved my modification iXXXX XXXX of XXXX  then cancelled in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-11-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello My identity was compromised around XX/XX/2016, and I then reported it to the three different credit bureaus asking them to implement a 'Fraud alert ' on my account, so that if anyone opened an account, they would need to verbally confirm with me. 

I just found out last week that Experian had implemented a Credit Freeze, instead of a Fraud alert. It appears they are using this as a method to get people to sign up for their IDWorks ( {$24.00} per month ) which I did in an effort to get the freeze removed. 

Also, there is NO PHONE NUMBER where you can talk to them directly. The only way to get through was to sign up for the {$24.00} per month plan. 

Outrageous! Since I can not get a credit card without them removing the freeze!

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 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is obligated by the FCRA to report accurate accounting. I/ME/the consumer advised multiple times that ALL the inquiries reported were fraud and said the company had the lawful amount of time to remove such items. I have reported XXXX XXXX XXXX XXXX and I see an entry listing a Bankruptcy I do not have a Bankruptcy. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. A Bankruptcy filing is public information and UNITED STATES BANKRUPTCY COURT does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. This violates my rights under the FCRA therefore, I request that bankruptcy reporting be removed from my credit reports immediately. HOW can you VERIFY such INFORMATION when you can not legally access the information? 

An FTC fraud report was filed by ME the consumer and I had reported ALL INQUIRIES reported as FRAUD and I am now requesting Transunion to provide all documentation used to determine each inquiry was indeed authorized by ME the consumer. I am requesting the name of whom Transunion spoke with, the documentation used, and the wet ink signature of such contracts with XXXX XXXX  I AM NOT ASKING FOR THE E-OSCAR REPORT. IF Transunion does not have documentation to show these were in fact authorized by ME they must be removed.

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 2019-05-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had applied for a XXXX account a few months ago. Upon checking my credit report with XXXX  it shows XXXX inquiries instead of XXXX both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be XXXX inquiry not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX 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 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. Account name : XXXX XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
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: Account status incorrect

Complaint:
XXXX  is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.

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 2022-11-09
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Atlanticus Services Corporation
State: CO
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:
Had my identity stolen to open ( 8 ) fraudulent credit cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 filed for Bankruptcy in XX/XX/XXXX I converted my Chapter XXXX case to a Chapter XXXX and I filed a motion to dismiss my BK case and it was approved. I have never had an account with XXXX XXXX   XXXX XXXX nor have I ever heard on this company. Portfolio Recovery is trying to collect money from me on this account. They put a collection activity on my credit report with the date of XX/XX/XXXX when clearly at this time I was in Active Bankruptcy which means under Title XXXX of the U.S. Bankruptcy code they are in violation because the Trustee for my case made payments to all of my creditors and this company was not listed as my creditor. They bought this account from a lender to try to get the debtor to pay when I live in the State of Maryland and the STATUTE OF LIMITATIONS has expired to collect on this debt. I contacted them and told them this and they changed the date to XX/XX/XXXX I had no luck disputing this with the credit bureau. I want this collection removed from my credit report because it's illegal for them to try to collect on an expired debt this is the 4th collector that I have told this too and this company decided to place this collection on my credit report I want it removed from all 3 of my reports. Collection Agencies should not be allowed to treat any body in this way. I have documentation to prove on XX/XX/XXXX my attorney had already filed a motion to start my Bankruptcy proceedings and no collection activity was in effect when you file Bankruptcy they are not allowed to call you or try to collect on a debt when you are in an active Bankruptcy case which I was. I am hopeful that you will assist me with this urgent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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 act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: KS
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:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To  Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX/XXXX

Company response to consumer: Closed with explanation