BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credence resource management is managing a debt that I owe to XXXX XXXXXXXX from XXXX. The debt already passed the statue of limitations in aged off of my credit report and fell off it was gone off my credit report for 3 months now they're trying to lie and bring the debt back by saying the account was open in XX/XX/XXXX I requested all the documents showing any proof that I had signed something or agreed to a new account that showed proof that it was open in XX/XX/XXXX they sent me the billing statements and every single one from XXXX XXXX XXXX from XXXX and XXXX so this account needs to be removed it's already past the statue of limitations and this is illegal they are lying. I have proof of the billing statements, etc. I personally have not had any contact with the debt collector because it will reset the time on the debt so I have been working with XXXX. Every dispute I have submitted has basically been ignored and just says they resolved it but still all the information is the same saying the account was open in XX/XX/XXXX and the collection is still on my report. This account was fraudulent to begin with. My mother opened an account in my name and I had no knowledge of it. The same thing happened with XXXX XXXX. The previous credit report before it aged off even showed the account was opened in XXXX. All of the billing statements do as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
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: Public record information inaccurate

Complaint:
I'm reaching out in regards to inaccurate information on my Credit Report with all 3 reporting agencies. Specifically the Public Records section. Back in XX/XX/2022 I went to US BANKRUPTCY COURT in XXXX, GA. Asked several questions as to did the trustee of the Bankruptcy Court submitted the discharged result of that case to all 3 Credit Reporting Agencies. I was verbally informed no the courts does not submit any public record s to any of the 3 Credit Reporting Agencies. Also in writing a official letterhead stating that as well. So I made a copy of said letter then mailed it to Experian and XXXX. To no avail that inaccurate information still on my credit report and is doing unforseen and previous harm to me rebuilding my credit worthiness. Please feel free to contact me with any information you may need at XXXX Thank 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 explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-04-21
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: Account status incorrect

Complaint:
The company keeps reporting 99 days late with a loan from XXXX I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX {$3000.00} cash down payment, vehicle was unsafe and wrecked XX/XX/XXXX. Vehicle still not repaired, me and my XXXX XXXXXXXX XXXX  now homeless, no signed contract, XXXX XXXX refused to repair car over 2 months ago, lost my ability to work, XXXX, homeless with my XXXX XXXX Can't purchase a vehicle elsewhere until debt removed from all credit reports and I need my down payment of {$3000.00} cash IMMEDIATELY.

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 2023-07-22
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:
In accordance with the the Fair Credit Reporting Act XXXXXXXX XXXX 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. also states a consumer reporting agency can not furnish a account withought 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 2023-06-19
Company: Experian Information Solutions Inc.
State: GA
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 am writing to you because I am concerned about the accuracy and honesty od credit bureau 's data According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the 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 2018-04-13
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, XXXX, and XXXX I found out I was a victim of identity theft while serving in t he United States XXXX. In late XXXX I was XXXX and lost my belongings in storage. I tried to fight it in the past and even in the present but had no success. The accounts that I'm disputing are with XXXX and as such. 
1. XXXX XXXX Parial account # XXXX First reported XX/XX/XXXX and now is considered a charge off. Recent balance {$10000.00} written off {$7400.00} 2. AD Astra Recovery Service Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$300.00} 3.XXXX XXXXXXXX XXXX Partial account XXXX XXXX First reported in XX/XX/XXXX which is in collections. {$500.00} 4. XXXXXXXX XXXX XXXXXXXX Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX was paid off on XX/XX/XXXX. I received a pay off letter from SANTANDER CONSUMER USA, which has {$550.00} XXXX dollar class action lawsuit. The letter states the loan is paid off but does NOT represent a lien release. Ive been calling them for years and either I can never get through or they say that they will process the proper title to my car. Today, XX/XX/XXXX, I went to XXXX to run a title search on my car and it still shows SANTANDER CONSUMER USA as the lien holder. Upon XXXX And XXXX search, I see there are many Complaints over many years about this company not releasing title. I need to sell the car. 

There has to be an organization that can help consumers that are being ripped off by financial institutions. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I was contacted by phone from a foreign speaking man that I couldn't under stand very well and he had all my information regarding how much I owed to Capital One and my credit card numbers at that point he said that I could end paying my {$200.00} monthly payment. But he needed my XXXX code #. As soon as I was talked into giving the code he switched me to a lady that was trying to sign me up with an investment counselor at that time I told them that didn't want to go any further until I receive a contract. Unknown til Later did I find out they charged my Credit Card {$3700.00} that very same day! That's when I contacted Capital One to dispute the charge at first they removed the charge then this XXXX XXXX supervisor sent Capital One a forged contract with my Name and initials and they put the charge back on my Credit Card. I spoke to this XXXX XXXX on the phone and he told me he was going to cancel this phony contract but he lied to me several times about ending this. I canceled my credit card thinking he could possibly charge more. I was told by Capital One that this case is closed because I didn't follow up within a certain amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery is trying to collect a debt account number XXXX, that i have no knowledge of, and that i believe is a result of Identity Theft. I sent Portfolio Recovery a debt validation letter asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. Portfolio Recovery has yet to send me any of the items mentioned. I do not owe this debt. This debt is deficient of physical verifiable validation, and i believe this debt is a result of IDENTITY THEFT. They are reporting this debt to all three credit bureaus which is hurting my reputation. If Portfolio Recovery does not have this collection account removed from my all three of my credit reports i will file litigation against Portfolio Recovery for violation of the FDCPA, and seek monetary damages, file compliant with the Attorney General of my state, and file compliant with the XXXX. This is the last chance i'm giving Portfolio Recovery before i take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 asked TransUnion to send me a XXXX of all of my credit inquiries because I did not recognize some and they sent me a letter with none of what I asked for all I did was ask them since they removed the XXXX XXXX XXXX and the XXXX XXXX and other things on my credit report for being missued on there can they remove most of the inquiries since they had things on my credit report and I couldn't get loans credit cards because I was denied from the errors that was on 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 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with Capital One, XXXX XXXX, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, Capital One has reported a 30 day late on our account to the 3 credit bureaus, and neither XXXX XXXX nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks XXXX will most likely be to file a class action lawsuit. 

Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
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: Public record information inaccurate

Complaint:
In the past year as of XX/XX/2022, I have notified Experian that XXXX bankruptcies that Experian continues to report as accurate and verified is still being reported on my report. Fact is since XXXXXXXX XXXX XXXX XXXXXXXX of which Experian has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that Experian persists to be accurate and verified. Turns out that Experian has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to Experian 's unconscionable and illegal business practices of which they Experian DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Early XXXX  there was a fraudulent account that was reported on my credit report from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I later found out the company was hired by XXXX XXXX. I contacted XXXX to have the accounts removed. After 5 months of investigating it was determined that the account was indeed fraudulent. I received a letter from XXXX stating that they will have the account removed from my report. However XXXX XXXX XXXX did not remove the account, they just reported it as paid which is still having a negative impact on my report. I have tried to dispute the account with TransUnion over 3 times but they still keep coming back with the account being accurate. I have filed police reports, mailed proof of the accounts being fraudulent but they refuse to update my account. I would like to report these three companies. XXXX XXXX, TRANSUNION and XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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:
XXXX XXXX Account XXXX NEW RELEVANT EVIDENCE NUMBER XXXX Equifax is reporting and publishing inaccurate information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The XXXX XXXX account you are publishing about me is inaccurate because : Equifax is reporting and publishing inaccurate information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The XXXX XXXX account they are publishing about me is inaccurate because : On several occasions they have claimed to have verified the XXXX XXXX account as being accurate. Im providing new and relevant information that proves the information is not accurate. According to the XXXX XXXX Explanation of Surplus or Deficiency the balance they calculate is {$27000.00}. However, they failed to include refund they received in unearned premiums for the XXXX XXXX which was canceled prior to the contract termination date. The request to cancel the policy was processed and a refund was issued in the amount of {$1400.00}. This amount was refunded to XXXX XXXX. XXXX XXXX never adjusted the deficiency balance. The balance remains {$21000.00}. I request that you DELETE the above-listed tradeline and provide me an updated consumer report. Inform any person that you reported the deleted information to that it was deleted from my report I have a right to an accurate credit file and discrepancies like this are unacceptable. XXXX XXXX is required to report accurate information. The reporting of this inaccurate information on my credit reports will be considered a violation of the UCC 9-615, UCC XXXX XXXX FDCPA and FCRA. The following evidence exhibits are included : 1. Explanation of Calculation of Surplus or Deficiency ( XXXX XXXX ) 2. XXXX XXXX XXXX 3. My letter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/XXXX a review of my credit report showed that a collection account has been reported to my Experian credit report. XXXX XXXX XXXX is reporting that an account was opened with an original creditor, XXXX in XX/XX/XXXX in the amount of {$730.00} and is now in collections. This information in not accurate and this account is fraudulent. I have no knowledge of this account, nor have I ever consented to an account with XXXX  being opened in my name. Given that the account is fraudulent, continued reporting of this account is a violation under the FCRA and therefore must be removed.

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 2023-06-05
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is an account on my credit report that was closed out in 2018, however, it still remains in an open status on my credit report. The account is a home equity loan that was closed when we sold our home in XXXX of 2018. We contacted the bank to ask why the account is still open on our credit report, and they said that the account is completely closed on their side, so it is a recording error on the side of XXXX and XXXX and Trans Union credit reporting.

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