BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing XXXX XXXX XXXXXXXX credit card account on my Social number. but I never applied for XXXX credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is XXXX XXXXXXXX account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.

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 2023-05-30
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a 1099 contractor with XXXX from XX/XX/XXXX until XX/XX/XXXX. In order to qualify to work with XXXX I was required to take and pass a background check and motor vehicle report check. My background check result did not change and was the same from the date of approval until XX/XX/XXXX. Meaning, no additional charges was added or dropped from my report. After speaking with numerous amounts of customer care representatives both at XXXX and Checkr in XX/XX/XXXX and XX/XX/XXXX, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. Zero or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a XXXX, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXXXXXX XXXX.My name at the time of the complaint and additional information is as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Last 4 digits of SSN XXXX. The issue regarded a criminal history background check result to continue working as a 1099 contractor for XXXX XXXX around XXXX and XX/XX/XXXX. Email addresses XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX XXXX  XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) 2 ) Portfolio Recovery Associates , XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX  Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed Portfolio recovery associates , LLC nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ Portfolio recovery associates , LLC ] have the item removed immediately. 

Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: ALLY FINANCIAL INC.
State: TX
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 XXXX, I received a notice from XXXX XXXX alerting me to the fact that some tried to open an Ally Everyday Cashback Mastercard. It was denied. 

I then spent multiple days going back and forth between Ally and XXXX to determine how to get this inquiry off my account. XXXX was saying that Ally needs to electronically request for it be removed while Ally told me they couldnt find an application with my name or social. 

XX/XX/XXXX, I mailed a detailed report to XXXX and filed a report with the CFPB. 

XX/XX/XXXX, I received notice from CFPB that Ally was looking into it. 

XX/XX/XXXX, I received an email from CFPB saying that Ally agreed that the hard inquiry was fraudulent and that they requested to have it removed. 

Fast forward to today, XX/XX/XXXX, and it is still showing on my account. Again, XXXX said deposits having received my report Ally didnt not request to have it removed and that Ally would need to for them remove it from my report. 

I spoke with Ally who again told me they could not retrieve the application. 

I am just trying to get this fraudulent inquiry off my account without all the back and forth. 

The original case id is : 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 2021-04-19
Company: EQUIFAX, INC.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hey its been a year since I've tried disputing these fraudulent student loans. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE NEGATIVE ACCOUNT AND INQUIRIES GOT ON MY CREDIT FILE. I STRONGLY BELIEVE THAT SOMEHOW SOMEONE GAINED ACCESS OF MY PERSONAL INFORMATION AND WAS ABLE TO OBTAIN THE ACCOUNT AND INQUIRIES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE IN A TIMELY MANNER.

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 2022-03-10
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00}

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 explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: OR
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:
Identity thief has been impersonating me to Experian for over a month. She closed a card I had with a {$10000.00} credit limit, without my consent, causing my credit score to drop XXXX points.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: VA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. Transunion is reporting, without adequate legal standing or in full accordance with the credit regulation compliance standard and laws. 

Per FCRA laws and CDIA enacted XXXX XXXX formatted reporting all allegations of data must be CERTIFIED as testimonial in full and refutable truth, accuracy, completeness, timeliness, ownership responsibility and elsewise undoubted compliance.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-05-30
Company: Avid Acceptance, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XXXX/XXXX/2021, AVID ACCEPTANCE LLC XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021

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 2023-05-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXXXXXX XXXX XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) XXXX ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : SYNCHRONY BANK Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed XXXX XXXX XXXX  XXXX nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ XXXX XXXX XXXX, XXXX ] have the item removed immediately. 

Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) 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 2015-12-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'd like to dispute all of the credit inquiries on both my XXXX report and my XXXX report. I have XXXX on XXXX and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE NEGATIVE ACCOUNT AND INQUIRIES GOT ON MY CREDIT FILE. I STRONGLY BELIEVE THAT SOMEHOW SOMEONE GAINED ACCESS OF MY PERSONAL INFORMATION AND WAS ABLE TO OBTAIN THE ACCOUNT AND INQUIRIES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE IN A TIMELY MANNER.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/XXXX  a credit inquiry report was run with XXXX  and XXXX  XXXX XX/XX/XXXX  I called both companies and they reported it was fraud and terminate the application process. 
XX/XX/XXXX  I notified experian about the 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 2022-12-12
Company: MOHELA
State: MI
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had been making payments on my amex account ( 183 ) that had been closed and transferred to a debt collector every two weeks. I missed the last two payments that would have satisfied the remaining balance and got a call and told if I make the last two payments that day I can clear up the account. I agreed to pay that day. I was charged for both payments ( 366 ). Now when I call amex they tell me the account wasn't paid off In time and transferred back to amex.

Company response to consumer: Closed with non-monetary relief