BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management has been harassing myself, along with my wife and XXXX XXXX XXXX child, via phone for almost 6 months. I have put all three of our numbers on their DNC and have warned them that I would file a complaint and/or seek legal council if their calls continue. The calls have continued and they say there are no records of calls or accounts tied to any of the three numbers, but I have traced the numbers that they call from and they seem to be legitimate calls from this company. These calls are always for a person named XXXX XXXX and, while there was once a XXXX XXXX in our family, that person now has a different last name and has not been a member of our family in XXXX years. These calls need to stop, especially the ones going to my childs phone. I will not have my child harassed by anyone, let alone a company who cant find their client and refuses to stop harassing a kid in the meantime. That will lead to me filing suit if this doesnt stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. 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 2023-08-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently read over my consumer file and I noticed that was some information on my consumer that needs to be deleted. Both invalid addresses and Names are need to removed from my consumer file 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 2023-08-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
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.

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 explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-08-08
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by XXXX on XX/XX/XXXX XXXX acct number XXXX with XXXX XXXX  XXXX was deleted from my credit report. 
I have now realized this same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.CS1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit report to avoid legal action, I

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 2023-03-26
Company: TRANSWORLD SYSTEMS INC
State: MA
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:
Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXXdollar Perkins loan in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX dollar Perkins loan that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to exercise my right to dispute any inaccurate information on my credit report as provided by the Fair Credit Reporting Act ( 15 USC 1681i ). It has come to my attention that the address information listed on my credit report is incorrect and does not correspond to my actual residence. I demand the immediate removal of the following incorrect addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX To substantiate my claim, I have enclosed copies of my valid driver 's license and an insurance statement, both of which clearly indicate my current and accurate residential address. These documents serve as unequivocal evidence of my true residence. It is imperative that you promptly update my credit report to reflect the address registered on my Michigan state-issued driver 's license, as it is the legally recognized and valid address according to my state 's records. 

I must emphasize the urgency of this matter. The presence of these incorrect addresses on my credit report is causing significant harm to my financial standing. Therefore, I request that you take immediate action to remove these addresses from my credit report, within a maximum of five ( 5 ) days from the receipt of this letter. Any delay or failure to comply with this request will leave me no choice but to pursue legal action against Experian for its violation of my rights under the Fair Credit Reporting Act ( FCRA ). 


Furthermore, I would like to bring to your attention that these incorrect addresses are not listed on any of my current credit reports with XXXX or XXXX. This serves as additional evidence supporting my claim that these addresses are indeed inaccurate and must be removed from my Experian credit report, in accordance with my FCRA rights. 
Under 15 U.S.C 1681i As per the guidelines set forth in the Fair Credit Reporting Act, I expect a prompt and thorough investigation into this matter. Within 5 days of receiving this dispute letter, I request written confirmation of the results of your investigation, along with an updated copy of my credit report reflecting the necessary corrections. 

Please be aware that the inclusion of inaccurate information on my credit report may have severe repercussions for my financial well-being. It is therefore imperative that you handle this matter with the utmost urgency and resolve the dispute in a fair and accurate manner. 

Thank you for your immediate attention to this urgent matter. I anticipate a swift resolution and your cooperation in rectifying this issue.

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 2023-08-08
Company: REGIONS FINANCIAL CORPORATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan on XX/XX/23 and the principal balance was XXXX, XXXX. I was told that the interest rate was 10.99 % but was not told that it was daily interest. When I asked, I was told it was in the fine print. The statements that I receive does not show the full amount owe, it is noted to call for full amount owed. The statement does not show interest accumulated or other charges.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX  XXXX : acct XXXX, XXXX XXXX  : acct XXXX, XXXX XXXX : acct XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

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 explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen, and an account with XXXX was opened using my information without my consent. I reported the information to the company, and they are refusing to remove and delete the account. I have gotten a police report and have shown evidence that the account does not belong to me. In accordance with the FCRA, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. This law states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. These accounts were obtained fraudulently under an address. that I have never been associated with that is now reporting on my 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 2023-08-08
Company: Experian Information Solutions Inc.
State: CA
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:
ive recently checked my consumer report and noticed a few fraudulent inquires that I did not authorized, this is fraud and shall be block according to 15 usc 1681c-2-a ( blocking of information deemed fraud by the consumer I have file an id theft affidavit as well which will be enclosed in the attachments, unauthorized inquires Inquiry XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX  XX/XX/2023 Inquiry XXXX XXXX  XXXX XX/XX/2023

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 2023-08-08
Company: Experian Information Solutions Inc.
State: OK
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 my 3rd attempt trying to get Experian to fix errors on my report, they have failed to validate the debt at my request and how they are reporting information on me, and it is damaging my character, and they continue to report these errors. They have not supplied how they validated the debts in dispute, and they have not provided proof, receipt copies, or letter copies but only a computer-generated confirmation by mail.

Again please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: TN
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:
The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 XXXX XXXX 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct XXXX XXXX balance {$1200.00} XXXX XXXX account number ending in XXXX balance {$2100.00} acct XXXX XXXX  balance {$2100.00} XXXX XXXX account number ending in XXXX balance {$320.00} acct XXXX XXXXXXXX balance {$320.00} XXXX XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct XXXX XXXXXXXX balance {$10000.00} XXXX XXXXXXXX XXXX account number ending in XXXX balance {$800.00} acct XXXX XXXX balance {$800.00} XXXX XXXXXXXX XXXX  account number ending in XXXX balance {$500.00} acct XXXX XXXXXXXX balance {$500.00} These are violations!

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 2023-08-08
Company: Experian Information Solutions Inc.
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 fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXXXXXX XXXX Last XXXX of XXXX # XXXX 15 U.S.C 1681 602 A. States i have a right to privacy.

15 U.S.C 1681 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 2023-08-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues. 

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 explanation