BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: Consumer Portfolio Services, Inc.
State: AK
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 inquiries on my credit report that weren't made by me. I don't have these accounts and haven't applied for the accounts. I believe they were made by an ex husband who was using my information to try and obtain a vehicle loan because the same items are repeated on multiple reports. The point being someone, not me has access to my information and has unauthorized access and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report. 
To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter.

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has repeated attempted to collect a debt that is not mine. It has been disputed, when they are unable to provide documentation, they remove this from my credit report. Then a week later, they add it back on to my report, with no additional information. It has also come to my attention that they are not legally authorized to collection debts in my state of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$170.00}

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
Consumer complaint received 2019-06-17
Company: SUNRISE CREDIT SERVICES, INC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account:XXXX XXXX XXXX XXXX XXXX  or XXXX, When I signed on Ionly wanted basic .For XXXX a month. I wrote on the bill it was not to go any higher.Through the years (? dont know how many ) I ordered pay preveiew movies. Lets say I had XXXX  for six yrs, I might have ordered 7 movies. Now since the beginnig I got the DVR recorder but my contract prohibited me ffrom recording. for the past two or three yrs I paid them XXXX. $ a month. Look at the record of my history. So they HAVE recovered any money. Besides this, when the tech came to get theDVR he said it should be cleared up because alot of times all they care about is getting the unit back. 
XXXX now has this acc. turned over to Sunrise Credit Services for some reason SCS acc. # XXXX Thanks XXXX. 
I will not pay them. If I should show my bank acc., I will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It shows on my credit report tht on XX/XX/2019 a amount of {$1200.00} and another amount of {$1700.00} is owed to XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX OF TX ), .. I  have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back 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 2019-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a cease and desist letter on or about XX/XX/2019 but have continued to receive calls on a weekly and sometimes daily basis. 
always with different telephone numbers sometimes local area code and other times with XXXX numbers or not local area codes. They never leave a message when I don't answer, so I call the numbers back to verify who is calling and sure enough, it is them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Upon Viewing my new monitoring services i noticed an account not belonging to me from company XXXX XXXX. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.

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 2023-06-20
Company: EQUIFAX, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: NC
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in 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

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 2023-05-11
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:
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 accounts. 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. XXXX XXXX XXXX and XXXX  XXXX XXXX. Please remove 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 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I just received notification that my credit score has decreased by 31 points!! Capital One has reported an over the limit balance on my credit report for an account I did not sign for. I do not have a contractual obligation with Capital One. I should be listed as an authorized user and that is it! I did not complete an application for credit. This is my father 's XXXX XXXX 's account. This is adversely affecting me! I am prepared to take legal action if necessary!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: MS
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MILITARY STAR IS IN VIOLATION OF THE FRCA. THEY HAVE AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Porfolio Recovery Associates, LLC calls multiple times per week from a different number some with local prefixes trying to collect some unknown debt. I have told them repeatedly DO NOT CALL ME, I am not paying the debt. They continue to call me, my friends, co-workers, etc. It needs to stop. I am not gon na pay them a dime, I have never done business with them, I don't even know who they are. They need to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2023-05-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The Fair Credit Reporting Act protects me from companys reporting negative information. 15 U.S.C. Code 1681 protects me for accuracy and fairness of credit reporting. 
On the XXXX of every month XXXX XXXX XXXX received a payment from me but has failed numerous times to update my account with no current update after contacting them to address the 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 2018-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Constant phone calls from XXXX XXXX XXXX to collect a credit card debt claimed I owed fromXX/XX/XXXX. The company calls my phone constantly with different phone numbers, has also called wifes phone, XXXX brothers, parents, sister in laws phone, and workplace I left in XX/XX/XXXX. This company claims to be collecting for different accounts, a computer called HSBC and another called partner weekly. I have answered and asked this company to remove my number and name and do not call me or family members. They continue to call and aggressively tell me if I do not pay over {$3000.00} a civil suite has been filed and they will take me to court. I have reported this company multiple times and they continue to call. The company tells me they are located in my home town, but there is no record of this company near me. They also call from cities that are near to me using fake numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Social Finance, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I initiated a student loan refinance through Sofi in early XX/XX/XXXX and the loan was approved and finalized on XXXX XXXX. This was also to take over payment of a student loan that my mother had opened while I was attending school. I would be refinancing her loans to my name. She has been unable to make the payments on her loan so I have been paying them. I will refer to her XXXX account as my own since I have been making the payments. Sofi sent the payoff check in the amount of {$16000.00} to the wrong department at XXXX which I found out after waiting two weeks for my balance at XXXX to be paid off. After notifying Sofi, they found that the dept of education would need to issue a check from the US treasury and that it would take 4-6 weeks for that to occur. Because my old loan was never paid off, I was forced to make a payment to my old lender XXXX to stay current on that loan. However, with the 4-6 week lead time on the US treasury check and the reprocessing, I would end up needing to make another payment to my old lender XXXX as well as my first payment to Sofi in XXXX. I requested that Sofi move my first payment date out another month to accommodate their mistake, to which they denied. I tried working through the escalation team and was met with the same answer : they can not and will not move my due date. Not only was this not my fault, I currently have two student loans collecting interest, my original XXXX loan as well as my new Sofi loan ( which has been accruing interest since the check was cashed by the wrong department ). Currently I am waiting to hear back from Sofi when they receive the check back from the US treasury. In the meantime, I have my Sofi payment due on the XXXX and my XXXX payment due on the 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 monetary relief
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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: Card was charged for something you did not purchase with the card

Complaint:
its showing me a balance of XXXX which is not accurate and the balance needs to be removed. I tried to explain to the company but they never take it off my report it was around XX/XX/2019 when the account was here i am showing on the report. experian will not take it off and one of the other one did. I need it removed its showing a written off which is not accurate.

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