BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 XXXXXX/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 explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows 100 % paid but also reports XXXX days late the account balance shows {$XXXX} which is incorrect. The account is not late but shows a missed payment. XXXX XXXX agreed to keep my account in XXXX Protected status because of the XXXX  and XXXX  that I experienced financially for the XXXX  years that they did not have me in XXXX XXXX protected status. They fixed the error but now they are trying to reverse it.

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 2023-08-30
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report 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 non-monetary relief
Consumer complaint received 2019-11-13
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was served with summons for case number XXXX Filed by Dunlap Gardiner LLP Dunlap Gardiner LLP Presented them selve 's to be the Collectors for XXXX XXXX XXXX XXXX this means the FDCPA Rules Applied to them under 15 USC 1692a ( 6 ) Dunlap Gardiner LLP is in violation of State Law and the  FDCPA Rules XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP under Oath stated that the information in their Statment of Claim and Exibit A which was incorporated and made a part of their Statement Of Claim was Just and True in Violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury on Exhibit A ( 8 ) they told the court that they mailed a Collection Letter via first class and that the Defendant failed to Object ( Dispute ) to the Validity and amount fixed they also included a copy of said letter dated XX/XX/XXXX but it was actually posted XX/XX/XXXX account was disputed right away with a Dispute Letter Dated XX/XX/XXXX a copy of said letter is attached to this complaint and incorporated by reference and made part of this complaint In their own statement they prove they failed to validate this Disputed account in violation of the Fair Debt Collection Practices Act, 809 : Validation of Debts. 

FEDERAL court has ruled against Debt Collectors filling a lawsuit on Disputed Accounts UNITED STATES OF AMERICA VS ASSET ACCEPTANCE LLC 3. Case # 8:12-cv-00182-T-27EAJ COURT ORDER 01-31-2012 01Case # 8:12-cv-00182-T-27EAJ Ill. 
Asset acceptance was Order to pay pursuant to Section 621 ( a ) of the FCRA, 15 U.S.C. 1681s ( a ), and Section 5 ( m ) ( 1 ) ( A ) of the FTC Act, 15 U.S.C. 45 ( m ) ( 1 ) ( A ), the amount of XXXX XXXX XXXX XXXX XXXX dollars ( {>= $1,000,000} ). 
for violation of the FCRA and the FDCPA XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP have brought a Lawsuit against me by Lying to the court in their statement of claim this is a violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury they presented misleading statements showing a letter with a date of XX/XX/XXXX when in fact this letter was stamped by The United States Post Office on XX/XX/XXXX in an attempt to make the court believe the 30 days required to dispute a debt had already passed copy of stamped Envelope is attached to this complaint and incorporated by reference and made part of this complaint This is a Violation of the Fair Debt Collection Practices Act, 15 U.S. Code1692e. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
I sent out letters on XX/XX/22 disputing inaccurate information from my consumer credit report regarding accounts that I'm not familiar with. I still haven't gotten a response or any mail concerning my disputes which I am concerned about I read a law that stated these accounts are in violation of Section 623 ( e ) I read a book learning the FCRA prohibits information furnishers from providing information to a credit reporting agency that they know or have reasonable cause to believe is inaccurate. This is also another violation I thought the credit bureaus had 30 days to respond my consumer rights have been violated its been well over 30 days and per fcra, these accounts should be deleted immediately. These violations have caused me XXXX and the amount of time I can't get back trying to figure out why the bureaus violated my consumer rights I feel as tho they have played with my emotions and time. These accounts are illegally reporting and hurting my consumer report which is causing my life 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 2019-11-13
Company: Trident Asset Management, L.L.C.
State: VA
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 submitted several disputes with them about this XXXX  account to no avail. I have called directly ( XXXX  ) and they have no record and told me to contact the data furnisher. I have included my identity theft report from the FTC and police dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX, I have not authorized this account nor did I know about this account. This account and two other opened on XX/XX/XXXX with XXXX XXXX and XXXX XXXX on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.

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 2023-10-09
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Penfed Credit Union says we have a Premium Online Savings account. We never opened such an account. The Penfed statement says we owe {$14000.00} back in XXXX of XXXX. We reported another claim when Penfed withdrew ~ {$18000.00} from our account at XXXXXXXX XXXX, Connecticut in early-mid 2022. XXXX said this was an unauthorized withdrawal and credited our account. That account was closed due to this fraud. 

Please investigate ; we also received a collection notice from XXXX XXXX XXXX, their account # XXXX for this fraudulentloan. 

thanks 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 non-monetary relief
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: MO
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 tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX  has already removed this account and equifax has not updated to be in the same accord. This info is effecting me is many ways then one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. Midland furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. Furthermore, I was never sent correspondence notifying me that this account was sold to Midland Funding, nor have I received proper validation from the original creditor. When I contacted the original creditor to inquire about this unverified account, I noticed that the balance on my credit report is not the same balance that the original creditor is reporting. How is this valid? I also received nothing in the mail leading up to this collection being reported. Attached is the debt validation letter that was sent last month which is dated and time stamped. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from my credit report or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i made a payment and it was not credited to my account, I began questioning this XX/XX/XXXX with XXXX XXXX. i submitted bank statements to resolve the issue. XX/XX/XXXX I followed up with XXXX XXXX and again with her on XX/XX/XXXX. I was told no issue was found but yet still disputed this as the funds came out of my account. My account continued to go behind and i was advised once the issue was resolved a payment arrangement COULD be made. I called in XXXX and was told the payment error was found and was applied to somone elses loan and NO ARRANGEMENT can be made and the loan was now in foreclosure. No follow up was made with me as i was told each time someone would follow up. This was not done. The account was only behind a month once when this occurred but due to the payment not posting correctly i was not able to make payments as full amnt was needed, i was told this would not be an issue once the payment was found and they could make arrangements. I also did not receive the demand letter that they say was sent, i received one that was suspended prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: National Auto Lenders, Inc.
State: VA
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:
XXXX XXXX XXXX is inaccurately reporting an open account. The account was settled in full XX/XX/2022. The balance nor comments have been updated to reflect updated status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: WA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

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 2020-04-23
Company: Experian Information Solutions Inc.
State: UT
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 one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from XXXX  and XXXX  showing " previous '' with 30 days past due and then " current '' showing it 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 explanation
Consumer complaint received 2023-08-07
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: Account information incorrect

Complaint:
If after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the reinvestigation. Hello I have found inaccurate reporting information from Experian. The account XXXX XXXX XXXX ending in XXXX. I have called, wrote, text the creditor several times. It has been over XXXX years that this inaccuracy been on my Experian credit report. Now Experian is reporting that I was past due twice. In XX/XX/2021 and again in XXXX. According to the payment History. Then it shows different days being late. It inaccurate shows XXXX as days past due.This reporting has been damaged my credit over XXXX points for XXXX  years. I lost numerous of advancements in living, financial and personal life. Due to this inaccurate information that's being reported by Experian.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: NY
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:
Im new to this country this is not my account. Im new here in america. I need help. The companies told me its on me. I must contact the credit bureau. The police dept wont help they said the department isnt available due to covid. Please help and remove this from my account I dont want to loose my citizenship. I dont have XXXX or XXXX XXXXXXXX Revolving Accounts : Accounts with an open-end term XXXXXXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$830.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$530.00} {$530.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Department/Variety and Other Retail Complete Department Stores -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$530.00} {$530.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} -- unkown unkown Two-Year payment history XXXX XXXX XXXX Experian XXXX  Account # : XXXX XXXX -- High Balance : {$300.00} {$810.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$750.00} -- Closed Date : -- -- -- Account Rating : Open Open -- Account Description : Terminated Authorized User -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Open Open -- Payment Status : Current Current -- Creditor Remarks : -- -- -- Payment Amount : {$0.00} {$25.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$250.00} {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation