BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery seems like a debt collector than strive off of misinformation & bullying people into paying debt that doesnt belong to them. If I owe a debt I have no problem paying it. What I will not do is pay a debt that is not mine. Because I know this debt is not mine I have written over 15 certified letter to portfolio recovery asking for them to validate the debt. They keep sending their computer generated letter saying their investigations are correct but no proof. They even restarted the debt to benefit there personal gain. They even reported the account as an individual but when I did my own investigation its a joint account open by my X husband without my knowledge or permission. I explain to them that they would never see a transaction signed by me because I never had or seen this card. They refused to remove this fraudulent account. They have been unable to provide any of the requested documents to validate they account & think what they say goes. I have rights & in a world where so much fraud is being done to every day people I refuse to be held liable for someone else debt. I was not even aware of this account because I had my own XXXX XXXX XXXX  & was thinking the information was on my card not a fraudulent account not done by myself. Portfolio recovery refuse to validate the debt in the correct way & have the nerves to report a joint account as individual to trick me into thinking its my account & my debt. They are violating my rights & is even breaking the fair credit act. Even tho the Credit bureau have all the proof of this company basically committed fraud against me & reporting inaccurate information on my report being harm against me 2 of the 3 agencies have refused to remove it & I know Portfolio has not validate this debt in the lawful way. And I want to hold XXXX XXXX XXXX also accountable. They can not run a company base on lies for there own personal gain. By law if they can not validate & proof this account belongs to me then they must remove from my credit report. They keep sending me transaction history than can be done by anyone. Thats the purpose of fraudulent activities. Nothing showing a transaction made with my wet signature just computer generated papers that anyone can print up on a computer. They need to be a full investigation against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: OH
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 XXXXXXXX XXXX, XXXX to address a false report on my Experian credit file which indicated that I am past due on my bill. I was assured that the account was in good standing and in forbearance status. The representative who took my call also suggested I dispute the item to get it removed from my credit. Upon doing so, the company reported that I was late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail that was dated XX/XX/XXXX which confirms that I do not have a past due  balance and my account is currently in forbearance status. My credit score has dropped tremendously due to this error.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 items 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 items XXXX, XXXXXXXX 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 XXXXXX/XX/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 2022-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am not liable for this debt with " XXXX XXXX '', " XXXXXXXX XXXX XXXX '' " XXXX and do not have a contract with " XXXX XXXX '' " XXXX XXXX XXXX '' XXXX XXXX  ''. They did not provide me with the original applications like i been asking for months.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$130.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} CXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$130.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
In accordance whit they Fair Credit Reporting Act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have they rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumir 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See the documents attached.

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 2022-12-04
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please update and remove these accounts immediately! 

My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX. I am not affiliated with the following addresses. Please remove from my credit report immediately. 

- 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  My employer is XXXX. Please remove XXXX XXXX XXXX XXXX. 

Per 15 U.S. Code 1681B, 1681C-1, and 1681C-2, the following collection accounts are violations of the Fair Credit Reporting Act. Please remove the following collection accounts. immediately. 
- DPT EDXXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) o These loans are showing 90 days late and greater. However, the previous month are on-time payments. Please remove these accounts since it is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX but 30 days late on XXXX and XXXX. Please remove. 
- XXXX ( XXXX ) o Please remove all late payments. I have never made a late payment on this account. 
- XXXX XXXX ( XXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX XXXX XXXX but 30/60 days late on XXXX. Please remove. 
- XXXX ( XXXX ) o It shows on-time payments on XXXX and late payments on XXXX. I have always made on-time payments on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX : * Ive began to look to obtain a house XXXX in did a Cerdit review report in notice the there has been some fraudulent accounts in activity on my reports my company I use to work for. also a victim of a data breach within that year for the XXXX  off the account in questions this were i believe my information was stolen i. misuse due to the breach description with snap on 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
GRAIN TECHNO XXXX {$760.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the 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 2022-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.

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 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email supposedly from Capital One Finance that stated I was fully approved for a $ XXXX loan at a 4 % interest with a fixed payment of {$180.00} per month for 60 months starting XX/XX/2022. When I asked about how to sign for the loan, they said they use a verification process instead of using signed documents. I said it is normal business practice to have documents on file, and they told me I would receive statements every 6 months. When I reviewed the loan information, it stated that this was from XXXX XXXX XXXX. The more I looked at the documents attached in the email, it looked like a copy and paste application. I, therefore, called Capital One to see if they were affiliated with XXXX XXXX Loans ; they stated that no longer offer persona loans much less payday loans. I'd like to think of myself as an intelligent person, so when applying for a loan online or with anyone in person as well, it's not unusual to provide personal information ; so when they said they needed to verify bank information, I was okay with it until they sent me {$360.00} and told me I needed to send it back through XXXX XXXX because I didn't feel comfortable. I told them I didn't want their " verification '' money, but by then it was too late, they sent it already. I went ahead and sent their money back. I also found that they did a dispute on my bank account in my name for that same money. That is when I changed my username and password on my account and locked my account. I also changed my personal XXXX XXXX tag. Because this happened later in the day, I have to wait til the morning to contact ny bank to figure out how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX - Capital One closed my account on XX/XX/2022 without a full explanation of closure and ending the relationship. There was only an email sent stating I can not with drawer funds. Capital one didn't seek a statement from me in regard to any transactions in question. They stated they will return my funds by check after investigation within XXXX business days. The mark of the investigation. They email me promotions and statements about the closed account but don't have an explanation on the funds that are owed to me will be returned and have yet to do so after calling monthly and trying to get updates. All representatives including the supervisor are condescending and rude. They are still holding my funds of {$220.00}. On my capital one app, it states your funds are currently not available for withdrawal. Please assist

Company response to consumer: Closed with explanation