BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Resurgent Capital Services L.P.
State: NY
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:
Amount - {$410.00} / Original alleged creditor was XXXX XXXXXXXX XXXX date XXXX, XXXX XXXX XXXX sold alleged debt to MHC Receivables date XXXX, alleged debt was then sold to XXXX XXXX XXXX XXXX XXXX, then sold to Resurgent Acquisitions LLC C/O Resurgent Capital Capitol Services LP who manages LVNV Funding LLC C/O Resurgent Capitol Services LP who now owns this alleged debt.All illegal third party debt collection from illegal third parties along with XXXX XXXX XXXX  are in Violation of 15 U.S. Code ( a ) ( 1 ) accuracy & fairness / 1681 ( b ) Permissible Purpose / 15 U.S. Code 1681 for assertions/ Legal Cease and Desist / Harrassment / Trademark Copyright Infringement were sent to company being represented / never received proper legal NOTICE of debt within 5 days / never received statement informing me they were assuming the alleged debt to be mine / XXXX XXXX XXXX illegally sold debt and received payment of alleged debt utilizing my name and personal information without informing me they were paid in full of alleged debt they transfered for sale illegally/ to illegal third party debt service Resurgent Capitol C/O UNLV Funding LLC without my permission as an unauthorized user reported alleged fraudulent debt to all three credit bureaus XXXX, XXXX, XXXX without legal authority and consent by owner consumer XXXX XXXX XXXX legal interest rate for lending is 16 % .Consumer owner was charged for alleged debt of 27.24 % violated usury laws of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting 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 have not recieved any verification that this was of my doing. I did not authorize these inquires nor signed documentation to have credit report pulled and it has been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove these hard inquires from all bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear CFPB, I am contacting you because of my Transunion report. I will say that TU has been wonderful at helping me deal with my issues when it came to my ID theft and I can't thank them enough. ID theft is nothing that I would wish on anyone. Now something else that has been handled years ago and after investigation with the data furnisher was deleted many years ago in XXXX  after my investigation where now a new company has bought the same account and added it to my credit reports. I must mention this company claims they contacted me and I honestly tell you there is no literature nor emails that I received from them to date. This was in fact part of my identity theft and should not have been placed on my file again by this company. I have reattached the my police report and FTC Affidavit where I learned that the account used to belong to XXXX  or XXXX XXXX. Both who whom I have never done business with! 

I am asking that Transunion please remove the derogatory information. It is listed on my reports now from XXXX XXXX XXXX XXXX aka XXXX in the amount of {$33000.00}. I have NEVER received such an amount and this is NOT mine. I did in fact call this company and I explained that this issue had been resolved in XXXX  and was due to my ID Theft. I have reattached my affidavit and police report which lists the account XXXX  report in XXXX  and deleted after investigation. I am to date still feeling the remnants of ID theft as far as receiving a letter from the IRS regarding someone using my identity to file taxes under my name. It has been an ordeal! 

XXXX XXXX XXXX should not be reporting something that was in fact caused by ID Theft by law. I spoke with them and explained to them that I had not got anything from them EVER and it's disappointing that they would rather destroy someones credit than to help in order to get money that was never owed. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-03-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 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 Inquiry date : XX/XX/2022 XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2022-11-15
Company: Experian Information Solutions Inc.
State: DE
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. In Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: LA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 2023-09-07
Company: Credit Karma, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX I saw a lot of pre- approvals on Credit Karma , at first I didn't pay it no attention, but Credit Karma kept sending me all sorts of different pre approvals telling me that I was pre approve for credit cards, personal loans and that I can refinance my car. Every day I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was in the perfect place to apply. I got so many offers through Credit Karma that I start to telling my entire family about vacations and investments we where going to use these pre approvals for .So I finally applied on or around sometime in XXXX and I got denied of XXXX credit cards and a personal loan, I was very distraught and very very angry and I felt deceived. I was market for months Credit Karma was telling me that I was pre approved, Credit Karma told me that I was approved this was a lie. I was severely stressed out I was XXXX  for weeks, I had XXXX so bad that I XXXX for months, my XXXX  went from XXXX XXXX XXXX Now every time I see pre approval I immediately close my phone and shut my computer off, this has made me so uneasy and XXXX  that I haven't check my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX XXXX number XXXX : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX I wiill be filing form 211 Treasury omb firms to audit consumer account. XXXX us securitizing consumers data yett refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ 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 2022-07-25
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2020-01-29
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX my wife XXXX XXXX received a text from XXXX saying that " I ( they ) need a call from you ( my wife ) today XXXX XXXX there is an urgent matter we need to discuss ''. I called the number from my phone and spoke to XXXX from XXXX XXXX. He said there was a payday loan from Advance America from XXXX for {$510.00} that they were willing to settle today for {$400.00}. I told him that I wish to dispute this as I do not recall having had such a loan, although my ex-wife did take several loans from Advance America. He said I would have to dispute this directly with Advance America and that XXXX XXXX would continue with their collection efforts including adding this to my credit file. When asked, he refused to give me their address for me to mail them my dispute since I received nothing from them in writing. He said he needed to put me on hold to get the number to Advance America, then he disconnected the call. I immediately called back and he picked up and disconnected the call again. I called again and spoke to another rep ( a female whom I can't remember her name ). She gave me the address when I asked for it but when I asked to speak to a Manager the call was disconnected again. I called from my wife 's phone and spoke with a female named XXXX. She said she would not be able to give me the number to Advance and that I would have to find the number online or by another means, that they would not be sending me written notice because they sent it to an address I moved away from in XXXX ( even though all address changes have been submitted to the United States Postal Service ), and that XXXX XXXX would proceed with processing this as a collection against me even if I dispute it with Advance America. When I told her that I wanted to speak to a Manager, the call was again disconnected. I still have nothing in writing and no reference to this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$34000.00} XX/XX/

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 2022-07-25
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:
This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX  Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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