BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: PA
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:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-10
Company: Avant Holding Company, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Avant llc ) : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm writing to let you know how disappointed I am with your recent allegations against my accounts. I firmly reject your claims on the grounds that you have not provided any supporting documentation or evidence to back up your assertions. Therefore, I implore you to begin a thorough and prompt investigation into these issues. 
The recent allegations you have made have seriously damaged my creditworthiness and placed a pall over my financial situation. To avoid any more consequences, it is critical that we respond to this matter as quickly and precisely as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sending you a legal law enforcement agency report that was filed with a federal agency to support the gravity of my identity theft allegation. I think we can have this resolved in the five days that are needed. 
I anticipate receiving a written confirmation that this disagreement letter has been received, along with a pledge to conduct a thorough and unbiased investigation into these matters. It is in everyone 's best interests to resolve this issue as soon as possible.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 explanation
Consumer complaint received 2023-12-08
Company: James E. Albertelli, P.A., a Florida professional association
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, I received a debt collection notice from Albertelli Law requesting that I respond to the notice. 

On XX/XX/2023, I responded to the notice by paying the amount requested on the notice. 

On XX/XX/2023, I received a XXXX package from Albertelli Law with a refunded check for the exact amount I sent. The check that was sent back was dated XX/XX/2023. Along with the check was a notice dated XX/XX/2023, stating that the amount sent was not the correct amount owed and that the eviction would proceed. 

On XX/XX/2023, I called the number listed on the notice that was sent on XX/XX/2023, and the number was disconnected. I also called the number listed on the notice received on XX/XX/2023, and was told that was not the correct number as it was for foreclosures. The lady on the phone gave me the number for the evictions. 

On XX/XX/2023, I received an email from Albertelli Law stating that a response to my questions that I sent to the landlord would be responded to. 

On XX/XX/2023, I emailed the attorney to let them know I was still awaiting a response. 

On XX/XX/XXXX, I left voicemails for the attorney at the office and on the cell number listed in the previous email. I finally received a call back and the attorney stated they were filing a writ of possession. I then received an email with the same information. I responded that I had not received an answer to my questions. 

As of today XX/XX/2023, the attorney still has not given me the requested information.

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 2024-01-10
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, Credit Collection Services ( CCS ), is constant harassing my person true phone calls and text msg trying to collect a sum of money or debt I do not own them or any other company .... 

FROM NOW ON ANY COMUNICATION TO MY PERSON FROM PART OF THIS COMPANY NEED TO BE DONE VIA MAILING LETTERS TO MY ADRESS AND OR THE CFPB WEBSITE. 

I never had or have any business with Credit Collection Services ( CCS ) and there over I do not own them any sum of money... 

Credit Collection Services ( CCS ) is using my Name and last Name with out my consent, Credit Collection Services ( CCS ) is using my Social Security Number and my phone number with out my permission.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/, 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 an account without my written instructions. 

This inquiry from XXXX XXXX XXXX is fraudulent, because I did not authorize this company to pull my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX me and my wife filed a Charter XXXX on US Bankruptcy Court with Case No. XXXX, then by XXXX US Bankruptcy Court given us the " Order Discharging ''. First Bank of Puerto Rico was part of the " Secure Creditors '' with 2 Auto Loan Accounts, both Autos where delivered to them. 

After more that 3 years, First Bank of Puerto Rico still continuing reporting that we have a debt. Last reported was on XXXX XX/XX/XXXX where they reported two Auto Loans as a " Collection/Charged off Account '' on XXXX  and by XXXX XX/XX/XXXX and XXXX XX/XX/XXXX they reported the two same Auto Loan as a " Collection/Charged off Account '' with XXXX. 

I had tried too many times to resolve this OLD issue, I have called them and also through these 2 credits bureaus. They have told me that they will not change nothing because is the way that they do in Puerto Rico. 

These 2 error have impacted negatively my Credit Score creating higher interest loan for my Auto and my House that I just bought, also I have had some Credit Card decline applications. 

Please need your help to fix this immediately. 
Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXX, XXXX  XXXX 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 an 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 2023-12-18
Company: Experian Information Solutions Inc.
State: IL
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:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-12-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
XXXX and MIDLAND CREDIT MANAGEMENT has continuedly reported inaccurate information, purchased and sold my personal information violating my privacy under 15 USC 1681 ( a ) ( b ), I did not grant permissible written instruction to Midland credit management to report under 15 USC 1681 ( B ). They continued to report adverse items other than convictions of crime under 15 USC 1681 ( c ). Committed identity theft by using my personal information without my authority under 12 CFR 1022.3. Midland credit management and XXXX also violated compliance procedures under 15 USC 1681e. Reporting information Soley as to transactions or experiences and reporting transactions history is illegal under 15 USC 1681a ( 2 ) exclusions. Under 15 USC 1681n XXXX and Midland credit management willfully failed to comply with my request and is liable for damages to me. 
Midland credit management and XXXX continued to violate me even after my initial complaint and continued notices under 15 USC 1681s-2 ( 1 ) Prohibitation ( a ) Both had knowledge of errors and inaccuracy, yet they still continued to report them claiming that it was verified. Neither XXXX nor Midland Credit Management provided required notice to me of my rights to privacy under 12 CFR 1016.4 and 12 CFR 1016.7.

Furthermore, violating 15 USC 6802 ( a ) ( b ) by providing my personal information to nonaffiliated third parties without providing me with proper required notice. 

XXXX XXXX XXXX XXXX XXXX XXXX use of your report XXXX Credit Bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX your report MIDLAND CREDIT MANAGEMENT XX/XX/2023 XXXX Feedback provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute information on my credit report, as furnished by your agency. I believe the reported information contains inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 and 1681 ( a ) ( 1 ).

1. **Details of the Disputed Information : ** - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX IS NOT DELIVERABLE TO ME AND IS NOT REPORTABLE BECAUSE IT IS INNACURATE - Nature of inaccuracies : There are apparent inaccuracies in the attached portions of my credit report across all three major credit bureausXXXX XXXXXXXX XXXX and Experian. 

2. **Basis for Dispute : ** - The inaccuracies are in violation of 15 U.S.C. 1681s-2, as the furnished information is not accurate and complete.

- I request an investigation under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to correct the inaccuracies promptly.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-10
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These Accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

I found out in XX/XX/2023 that I have a collection account is not mine. I did not authorized any agency or nothing to use my information. I did not sign any document or nothing to this company.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about XXXX points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a credit card. I got a letter from XXXXXXXX XXXX stating the information you provided says Im deceased. Im not

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 2023-07-12
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: Old information reappears or never goes away

Complaint:
I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a V and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is 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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX date : XX/XX/2022, 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 an account without my written instructions. 

This inquiry from XXXX  XXXX is fraudulent, because I did not authorize this company to pull my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation