BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act, Experian XXXX XXXX XXXX, XXXX, and XXXX have 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 written instructions. 


The following information is incorrectly reported by Experian XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on three levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on three levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with 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 2017-09-06
Company: SUNRISE CREDIT SERVICES, 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:
I have never had any contact with this business. I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. I never received any documentation for the said debt. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! Please remove this fraudulent trade from all CRAs

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 2022-02-17
Company: EQUIFAX, INC.
State: DE
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:
These hard inquiries are only on my Equifax credit report. Ive reached out to all these creditors to have this resolved because they are not authorized by me and I was told to reach out the the credit bureau to get this taken car of. When I reached out to Equifax they said that could find paper work Ive mailed to them back in XX/XX/2022 and that I needed to file an report here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: RI
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, XXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2021-04-14
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My file # is XXXX This was a fraudulent account opened at the beginning of XXXX in XXXX, Oregon under an apartment address I left in XXXX. The amount of the of the account was {$130.00}. 
I disputed this with XXXX XXXX on XX/XX/XXXX. Please see the status below : Completed JEFFCAPSYS Reported on XX/XX/XXXX {$130.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Dispute Reason Ownership : This account was opened fraudulently. 
**************************************************************************************** I had a XXXX account until XXXX. I never had a XXXX account until XXXX. 

XXXX called me and saw that it was not my account. They reported as fraud but it is STILL on my credit report under Jefferson Capital System.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
We have a credit card that offered 0 % financing for 5 years on the purchase of a lawn mower. We have been paying our payments for 4 years and they claim they sent a letter in XX/XX/XXXX adjusting our minimum payment by rounding it to the nearest dollar ( XXXX cents ) we did not receive the letter and did not adjust our payment this resulted in XXXX late fees ( {$35.00} and {$25.00} ). We contacted the credit card company and they offered to refund XXXX of the late charges for {$35.00}. We still feel that both fees are unfair seeing that there is only a XXXX cent difference. in what we paid and what we " owed ''. We have paid the additional {$25.00} to keep our account current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: RI
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, XXXX XXXX  Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2017-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 have a Capital OneXXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with Capital One directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of 2016. I was told this on the phone with CapiTAL one and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to Capital One and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of 2016.  XXXX  accused me of being a liar, and that was supposedly a manager of XXXX. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Midwest Recovery Systems
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:
Midwest Recovery keeps copying and pasting a generic response and will not address my issue. This is a fraudulent tradeline on my credit report! They have failed to provide validation of this so called debit to " XXXX. '' It has been beyond 30 days and they are infringing on my rights per the FCRA. I will go the State Attorney and file a lawsuit. Remove this fraudulent tradeline from my report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX stolen by XXXX. 
XXXX is asking me to pay them {$1900.00} when they owe me {$2600.00} From below : ( XXXX XXXX XXXX ; XXXX, XXXX ( 2020 ). ) Misdemeanor Theft A person who steals property or services valued at {$1500.00} or less commits a misdemeanor, punishable by up to 12 months ' jail time and a {$1000.00} fine. If an offender receives a sentence of six months or less, the judge may allow the offender to serve the sentence on weekends or during non-working hours. 

Georgia allows any owner of stolen personal property ( not just retail merchandise ) to bring a civil action for damages against the offender. 

Before filing the civil action in court, the property or store owner must send the offender a written demand and give the offender 30 days to pay the following amounts : compensatory damages for the value of the property and any other losses incurred from the offense, and exemplary ( punitive ) damages in the amount of {$300.00} or triple the value of the loss, whichever is greater. 

If the offender doesn't pay within 30 days, the property or store owner can seek the above damages, plus attorneys ' fees and costs, in court. ( XXXX XXXX XXXX ( 2020 ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
CREDIT ACCEPTANCE provided a misleading contract, including advertising. It was without knowledge to transfer actual cash value from me, the alleged borrower, to the bank and return it to the alleged borrower as a loan. The banks intent was to receive cash value and return cash value as a loan. They also include interest charges on the transaction all funded by my signature. It was not my intent to fund my own bank loan. This was misleading and is a breach of contract. 


The account number is XXXX The finance charge is {$9900.00}

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 2021-02-20
Company: Experian Information Solutions Inc.
State: MD
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 been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.

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 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 DISPUTES ONLINE ARE A WASTE OF TIME AN NEVER ALLOWS ME TO FILE, CONTINUES TO LIST INCORRECT/ PREVIOUS DISPUTED INFORMATION ON FILE, SAME RESPONSE OF VERIFIED BY CREDITOR, GIVEN WHEN I HAVE NOT SEEN ANY OF THE DOCUMENTS THEY USE TO COME TO THE CONCLUSION OF VERIFIED AS MINE. NOT ONE SINGLE CREDIT REPORT IS CONSISTANT OR MATCH THE OTHER CREDIT REPORTING AGENCIES ( 2 ; TRANSUNION, 3 ; XXXX ) OUT OF DATE, INCORRECT, AND UNFAIRLY REPORTING IS ALL TOO FREQUENT AND COMMON AND HAS CAUSED ME VERY MUCH GREIF, STRESS, TIMELOSS, LOSS OF EMPLOYMENT AND FUTURE PROSPECTS OF EMPLOYMENT DUE TO THE NEGLEGENT, UNFAIR, INCORRECT, AND PLAIN LAZINESS AND DISREGARDS OF MY RIGHTS AS A HUMAN, EMPLOYEE AND CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Asset Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling my work number which is not allowed by my employer. Not sure what debt they are trying to collect as they have not sent me a letter. Call several times a day on multiple phone lines at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I XXXX XXXX am a victim of identity fraud and someone has opened up a KOHLS/CAPONE credit card in my name. The account starts with # XXXX. This person has used the card for the amount of {$690.00} so far. It says the account was opened on XX/XX/2022 which was around the time I became a victim of fraud through other cc companies. I just now got this report of this card through XXXX being open so Im immediately reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account # XXXX Account Name : Dept Of ED Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US Dept Account # XXXX, XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # 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 2017-09-06
Company: Experian Information Solutions Inc.
State: IL
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 recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards

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 2022-07-15
Company: Experian Information Solutions Inc.
State: FL
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 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 explanation
Consumer complaint received 2022-02-17
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice and several laws have been XXXX by your company. which has caused defamation of character and has severely impacted my ability to obtain 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 non-monetary relief