BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Absolute Resolutions Corp.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I call the XXXX XXXX XXXX XXXX XXXX, after I was notified from Absolute Resolution Investments, XXXX regarding a unpaid collection debt. The representative I spoke to state my account was close with a XXXX balance. I ran my credit report from XXXX XXXX, XXXX, XXXX, and XXXX, all stated they are unable to locate an account with the last digit. I wrote the company on XX/XX/2023 stated a dispute regarding the debt. Reason : this is not my debt. I requested debt validation. I also request the name of the creditor and a copy of the original contract. I receive copy of a billed that showed a balance and payment. I also request a itemize billing statement that reflect the charges and what the purchase were. I did not received a itemize statement. I did have an account with XXXX XXXX XXXX however the card was settled for less than owed. I do not have the card are the documents to prove. XXXX XXXX had a history of missed posting my payment and lost them occasionally, this is the reason I settled for less than owed. I am now been sued by a collection investment company. There is no reporting on my credit report where the account was settled or even own the account by me. I am not willing to pay for a debit that I do not owe. I request them to provide me proof of ownership and to not have this place on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: General Motors Financial Company, Inc.
State: CO
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 will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : 11 - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from XXXX XXXX XXXX XXXX XXXX Colorado to XXXX removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and XXXX XXXX XXXX and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXXDept . of Ed, and the duplicate account for XXXX XXXX XXXX, we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Good evening-I signed up with Care Credit in XX/XX/. I have made my regular payments monthly and my balance is increasing as opposed to decreasing. 

I would like for someone to check out the details of my account to see if I am being wrongfully charged fee/interest.

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 monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: CT
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:
About 3 years ago I had a hard time getting car insurance due to things I never knew was on clue or on my credit report due to applying for different credit line, about 1 year ago I call Experian to dispute information that I had no idea about or received any mail from collection company XXXX XXXX, after send information through mail and identity verification I have not received anything back, I dispute action that on my report about 45 day and still failed to remove it information and also amica report when I pay off product due to COVID financial hard ship, I have written and made numerous attempts to dispute and request my information to not be share due to they use my data for violating My consumer protection and other privacy laws I have suffered 3 years behind things credit company fail to notify me about and using information that doesnt support The fcc XXXX XXXX XXXX and the XXXX in my state in of Connecticut XXXX XXXX was pass four years ago the company has gone against everything within in what constitute consumer privacy and fair credit laws and regulations for myself its been over 3 years and again 45 days that this information should be removed by law

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 2023-08-22
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX  Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX   there are about 1000 soft inquries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: Account Recovery Specialists, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I initially contacted ARSI regarding some medical bills that were turned over to them that needed to have charity applied to them. Despite the dispute that charity is supposed to pay, ARSI took no steps as required of them by both the Fair Debt and Collection Practices Act as well as the Fair Credit Reporting Act. 

Further, I contacted ARSI on XX/XX/2019 and spoke with a representative. It was at that point that I advised ARSI that I no longer owe the bills as my husband is XXXX  XXXX  and the Soldiers and Sailors Act would prevent suit from being filed on these accounts as well as prevent the accounts from being reported to my credit bureau. 

Despite my calls to ARSIs agents. ARSI has taken no steps to comply with the law or provide an answer to the above disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: AR
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/2022 I mailed to Experian by certified mail a request asking for the method in which two accounts reporting on my report were verified. According to tracking information, Experian received this correspondence on XX/XX/2022. 

On XX/XX/XXXX I received a response from Experian electronically. This response stated that the result of my disputes were ready and that the account XXXX XXXX XXXX XXXX was updated. 

Nowhere in my correspondence, which is included, did I request that Experian dispute this account. I requested that Experian provide me with their method of verification regarding the accounts mentioned. It seems as though Experian did not read my correspondence nor perform a proper investigation into these accounts and merely allowed it to be incorrectly sorted by their automated systems. 

According to the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; From my understanding Experian must provide this information to me within 15 business days of my request, which it did not.

This account should be removed from my credit file due to failure to perform a proper investigation.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: NC
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 requested applications from the following company 's that would warrant a inquiry on my Experian credit file, and did not receive an response. Also, I contacted Experian and they stated to contact the creditor. 

ADMINISTRATION SERVICE -XX/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 2023-07-08
Company: Experian Information Solutions Inc.
State: MD
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 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 2019-02-06
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: Account status incorrect

Complaint:
I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.

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 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX, XXXX all the accounts will be highlighted on credit report as well its XXXX that are listed in the bankruptcy and the report XXXX XXXX needs removed never done business with nor should they have my medical info. 
all hard inquires removed except for the two open accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: CO
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 have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM

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 2022-03-12
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:
3rd Request!! The following accounts do not belong to me I have sent multiple FTC reports Ive sent multiple dispute letters and they all keep coming back verify and I am not understanding how they are being verified no one showing me any proof Ive never done business with any of the following companies please investigate this properly because its fraudulent and per the FCRA if I stay as the consumer that its fraudulent the information should be blocked from my report. The following accounts 1. XXXX XXXX  {$6500.00} 2. XXXX XXXX XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report and identification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the following information that your company supplied to [ Experian, XXXX, XXXX ]. I have circled the items I dispute on the attached copy of my credit report ( XXXX ). 
XXXX XXXX account number XXXX is inaccurate [ or incomplete ] because [ all XXXX credit bureaus are reporting account types XXXX states the account is open Experian said it is a cell phone account also XXXX says the account is open and all XXXX bureaus are reporting the account status is closed if you get your information from the same place why are my reports so different is this XXXX XXXX or closed how can a account be open and closed which on is it ] I am requesting that [ Experian, XXXX and XXXX ] have the item removed Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( XXXX ) 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 2022-12-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: AZ
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 2022-03-12
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has ignored my attepet to get help i cant login on the site and they ignore my letters i told them they are reporting the wrong info they rufuse to let me see report and they dont pick up when i call i have sent 11 lettters and still no repose from XXXX now it's XXXX now

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