BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
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:
I have been disputing this credit card account ending in XXXX for several months. 
On XX/XX/2023 I spoke with XXXX XXXX XXXX XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied inXX/XX/2022, this call was also monitored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-10-12
Company: Northstar Location Services, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Northstar Location Services , LLC sent me a statement from their agency without allowing me the opportunity to dispute the name and address of the original creditor. After receiving this particular letter, on XX/XX/2023, I received a notice on XX/XX/2023, for the same debt from XXXX XXXX XXXX XXXX XXXX from the original creditor who that informed was XXXX XXXX XXXX 

According to 15USC 1681 a ( dX2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet these companies are reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. These negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, and XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be considered officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery Associates began reporting a collection debt to my credit report as of XXXX XXXX for the amount of {$450.00}. 
I sent my first written debt validation request on XXXX XXXX and my 2nd validation request on XXXX XXXX via USPS Certified mail. I recieved a response letter dated for XXXX XXXX. Their response was limited to a copy of a billing statement for the alleged original creditor. Dispite several requests for substantial proof of validation as well as 3 rounds of debt validation request and a complaint of noncompliant to XX/XX/XXXXandXX/XX/XXXX Portfolio Recovery Associates has yet to provide me with verifiable proof that I'm responsible for this debt. They have continuously ignored my requests to provide a copy of a contract with the original creditor with my written signature on it as well as my request for them to provide Agent 's names and ID numbers, proof of licensure to collect a debt in my state, proof that the debt is within the statute of limitations to be collected and evidence of how they came to the amount they say I owe. Portfolio Recovery Associates is in violation of the FCRA and has continuously violated my rights as a consumer by reporting inaccurate, unverified and derogatory information on my credit reports, effectively damaging my credit score and limiting my opportunities as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: RI
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 consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( XXXX ). Reports must be in accordance with Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase bank has significantly lowered credit line on 2 personal credit cards the same week that the card/s were paid down by 48k+. They gave no notice. When asked, Chase bank stated that this was a random check and it had nothing to do with the cards being paid down/off. This happened within 3 days of payment to chase bank. Clearly, the bank doesnt want to allow the previous credit line and has taken it upon themselves to change the credit line to within 1,000 of current balance. They never reached out to me but state otherwise without providing details on how they attempted to contact me. Chase bank refuses to change there position. This clearly is a reach by the bank that has put myself in a dire financial situation. If they are doing this to me Im sure this must be ongoing with most customers during this financial crisis the Country finds itself in. Unethical treatment and outright abuse of myself without explanation is shameful and in order of significant investigation into this practice by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: NM
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 2023-09-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account Is part of a CLASS ACTION LAWSUIT that I am apart of and I need this account REMOVED IMMEDIALETY. As per the FCRA, you are required to REMOVED this account per the CLASS ACTION LAWSUIT. 

Case Name ( s ) & No. : Ally Financial XXXX XXXX XXXX ; Case No : XXXX Jurisdiction : 23rd Judicial Circuit Court for XXXX XXXX XXXX Missouri Products/Services Involved : Collateral Repossession Laws

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: GA
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 the obligation to report accurate information on consumers. They have assumed the role! I have been repeatedly affected by the the unfair reporting of Experian. They are reporting information that is impacting my life substantially. Constantly being denied credit and opportunities to give my child a stable home. Every time I dispute I get the same email word for word about my dispute. They are using XXXX  to send automated disputes without verifying any of the information which leads to inaccurate information about me on my consumer report. They are reporting a negative account and address which does not belong to me. Reporting that information is a security risk for whomever it belongs to. I have sent multiple disputes via mail that included my FTC identity theft report. The FTC is law enforcement agency that prosecutes individuals who make false claims. I have not made this report based off misrepresentation of fact by me. They have said multiple times the FTC is not law enforcement agency in the responses that weren't sent to me from Experian. 


In accordance with the Fair Credit Reporting act. The account and address listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX 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 2021-03-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
My fiancee and I recently applied for a new rental home and were denied because one of has " Negative Credit. '' This is the only explanation I was giving a directed to this website to find out what the issue is and resolve it. Our application was denied on Tuesday, XX/XX/2021. I know my credit score is substantial and I have never had issues with this before. My fiancee will be submitting a claim as well.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-25
Company: Capstone Capital USA, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have Home equity loan ( fixed ) Shellpoint Mortgage Serving. 
It clearly states on the letter datedXX/XX/2021.That I am on a Forbearance plan. 
Loss income due to COVID-19. I Only have Social Security and Unemployment ( that may end soon ) They will not extend the Forbearance because I have Income. 
I stated I am not working and Social Security in NOT working income Income being my Social Security and Unemployment ( which may end soon ) I ask to defer my past 13 payments. They said I would need to pay off 10 payments and they will defer the 3 months. ( I do not have that kind of money ) The rep stated that the investor rules would not allowed deferment because of my Lates ( I said under the CARES act you can not count miss payments as Late ) I ask to speak to a supervisor and she said it be 24 -48 hours

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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:
The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XX/XX/XXXX account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ 4,000+ balance for an account that is n't mine. Initially XXXX removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me XXXX looked into this and confirmed. They need to remove this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ALLY FINANCIAL 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:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX  by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, and I am writing to file a formal complaint against SWRecovery, seeking your intervention in a matter that has caused me significant distress and financial concern. 

Recently, I discovered an unauthorized debt reported on my credit report by SWRecovery. The claim is related to an account that I have never opened, nor have I had any association with it. The details of the case are outlined below : Unauthorized Charge : SWRecovery  has reported a debt on my credit report, asserting an account that I have no knowledge of and have never initiated. 
To address this issue promptly, I request Southwest Recovery to contact me at XXXX and provide valid proof supporting their claim. This unauthorized charge amounts to fraud, as I have never had any dealings with XXXX XXXX XXXX XXXX the alleged source of the debt. I demand that Southwest Recovery takes immediate action to rectify this situation by removing the unauthorized debt from my credit report. 

I am willing to cooperate and resolve this matter amicably, but I insist on receiving concrete evidence from Southwest Recovery to substantiate their claim. Please ensure that this issue is addressed urgently to prevent further damage to my credit score and financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation