BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: OK
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:
It is our contention the big 3 credit reporting agencies EXPERIAN, XXXX and XXXX are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. EXPERIAN especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency EXP, XXXX XXXX XXXX have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, EXP, XXXX and XXXX are required to " validate '' the accounts furnished by TFCU or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, EXPERIAN claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Kriya Capital, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was having internet connectivity issues nonstop and closed our att account due to thier service. We do not have a drop of location nearby and needed a shipping label. We were able to get with someone to get us the shipping lable and sent off the equipment the same day In XXXX! Not thinking anything of it in XXXX, This Creditor is on my report. We immediately contact XXXX ( XX/XX/XXXX ) to find out that att never processed the returned equipment. We never received a bill from att or anything, they just automatically sent it to collections! We had the shipping information and even delivery date. They have slowly started processing the returns. But this Creditor should have never been on my report. XXXX  had thier equipment and should have never sent that to collections. I have a text log with att in regards to this along with proof of delivery/shipping information sent to us from XXXX This was an inaccurate and unjust bill sent to collections by XXXX. They had their equipment returned before sending this to collections and did not process it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery at XXXX XXXX XXXX. XXXX Va. XXXX, has been sending me collection notices in the amount of {$12000.00}. The The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Pursuant to a previous dispute that my Student Loans are being reported twice. XXXX states that they purchased my student loans yet if XXXX purchased my student loans in XXXX why are my Student Loans showing listed via all 3 credit reports by the XXXX and show my student loans as active and pass due from XXXX. If my student loans were purchased by XXXX my student loans should not be listed by the XXXX making it look as if I owe twice more than what I should, such that XXXX should remove all occurences of past loans from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with your agency on XX/XX/2023, which referenced two ( 2 ) accounts erroneously being reported on my credit report. As of today, I have not received a response from your agency regarding the dispute results, despite the fact that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to respond to disputes within 30 to 45 days.

I would like to remind you that under the FCRA, if a credit reporting agency fails to respond to a dispute within the required time frame, the disputed account must be deleted from my credit report. Given that it has been more than 45 days since I filed the dispute, I am requesting that the disputed account be deleted from my credit report in accordance with the FCRA. 

The accounts that were disputed are as follows : XXXX XXXX XXXX, account # XXXX. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account If you did investigate, please mail me the proof of your investigation dated between XX/XX/2023 and XX/XX/2023 which covers the 45 days allotted to complete the investigation or delete this account. 

XXXX XXXX XXXX, account {>= $1,000,000}. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector own this debt and has the legal authority to collect it or delete this account If you did investigate, please mail me the proof of your investigation dated between XX/XX/2023 and XX/XX/2023 which covers the 45 days allotted to complete the investigation or delete this 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 2023-02-11
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was contacted by Ally Financial in regards to my ex-husband XXXX XXXX XXXX. I explained that we are divorced and the rep kept asking for more information. This is unacceptable. He used to XXXX XXXX  and had XXXX XXXX so not only was it extremely triggering, this company found my new phone number and decided to contact me using it. I have been divorced from XXXX XXXX XXXX since XXXX, whatever debt he had incurred after being kicked out of the XXXX is not my problem or my concern. Let alone contacting me about my XXXX XXXX on a Saturday morning. It is extremely unprofessional and a cease and desist has been sent via-email to Ally Financial, if this continues I will be seeking legal counsel. I am in no way involved with his debts and I have never had any dealings with Ally Financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: FC HoldCo LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Vehicle was repossessed, consumer was never provided with notice of sale, or given information on auction date and time. Consumer information was illegally provided to 3rd party repossession agent as per XXXX5 usc 1692 F, 15 usc 6802 15 usc 1692.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian keeps reporting Bad info. I fix then they added again and this has going on for three years I can not get my credit up unless I let them have Acces to my accounts. So invasive They fixed. XXXX Not mine name or address and still say the verified and that is XXXX its not correct and it not valid They would not delete XXXX XXXXXXXX XXXX XXXX Fraud wrong address wrong name wrong signature And they both say its valid How is this Not my signature fraud by them Now they saying they will do foreclosure on something is not mine but keep reporting Im homeless because of this I have complained so many times and now XXXX a fraud company and criminal are asking to me to pay {$1000.00}. So they would take out of my credit! 

Or the foreclose will go thru and they will put in my credit report That its fraud Its not me its y signature its not my address I even send them a copy of the police report that someone stole my cash box with my identity

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 2023-02-10
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX with the Fair Credit Reporting Act and XXXX Account # 1. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Paramount Recovery Med Account Number. : XXXX {$930.00} 2. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX {$120.00} 3. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX : XXXX {$100.00} 4. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  : XXXX {$750.00} 5. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX  : XXXX {$300.00} 6. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX : XXXX {$92.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
My credit consumer report withholds inaccurate information communicated from Experian, XXXX and XXXX. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.

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 2023-04-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting and validating inaccurate information pertaining to the account XXXX XXXX XXXX - XXXXXXXX XXXX furnished payment history for the account and reported to Experian that my account was last paid XX/XX/2022. However the balance history reporting on Experian does not reflect a XXXX payment being made. This is evidence of inaccurate information. Consequently the account needs to be deleted immediately. Furthermore the account was charged off in XX/XX/2022 however the account was reported inaccurately by XXXX from XX/XX/2022- XX/XX/2022 as past due. According to my credit report, the past due amount on my account is XXXX but the status reported on the account says " Account charged off. {$560.00} written off. {$290.00} past due as of XX/XX/2022. '' which is inaccurate reporting, and the account status is listed as " past due. '' However, the account was charged off on XX/XX/2022 and the balance was subsequently written off by the creditor. As you are aware, charged-off accounts are not considered to be past due and should not be reported as such. The inaccurate reporting of my account has had a negative impact on my credit score and has prevented me from obtaining credit at favorable terms. Experian stated that the account remains along with this explanation " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. There is XXXX evidence that the account has been reported inaccurately and that said evidence can be found within the account information on Experian. Experian 's lack to adhere to the Fair Credit Reporting Act and hold XXXX accountable for the inaccurate information has caused a significant impact on my credit score and financial well being. 

The Fair Credit Reporting Act ( FCRA ) regulates credit reporting in the United States, and it specifically prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. If a person knowingly or willfully provides false information to a credit bureau, they can be subject to fines, legal action, and even criminal charges. Additionally, the person who is harmed by the false information may have the right to sue for damages. It is important to ensure that any information reported to credit bureaus is accurate and truthful, as it can have a significant impact on a person 's credit score and financial well-being.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: PA
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:
I called in XXXX to report inaccuracy with the following : XXXX XXXX XXXX in XX/XX/2022, which i did not apply for. 

XXXX XXXX  XXXX XXXX, on XX/XX/XXXX and XX/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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please find the disputed items in my file below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1700.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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: 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 items ( A ). It is not permissible to fail to validate these reporting items 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 Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an officer or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking XXXX  policies listed on their website. Only an owner, officer of the company or officer with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: TN
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:
accordance with the Fair Credit Reporting act 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 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 explanation