BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: FL
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 tried repeatedly with documentary evidence that XXXX unethical predatory practices including credit reporting violates law. XXXX gets revenue for reporting false information and refuse to to look into the documents support my position that the error on my credit report is wrong. I sent XXXX letter with their company letter head proving the information on my credit is wrong and XXXX refuses to delete it. I voluntarily gave my son vehicle back the end of XXXX beginning of XX/XX/2016. There tow truck driver used the vehicle for 6 months in my name and made payments. It wasn't until I inquiring about the auction date that for over 1 month XXXX stated I did not return the vehicle. The account close date is not XX/XX/2016 and the balance should be XXXX not XXXX. That keeps increasing while charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ACCOUNT # XXXX Treatment of inaccurate or unverifiable information. 
If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 

Promptly delete that item of the information from the file of the consumer, or modify the that item of information, as appropriate based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: Reporting company used your report improperly

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: GA
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:
After taking a look at my consumer report, I observed that I have 2 late payments on an account that I was never late for. Consumer reporting agencies have a vital role in responsibility for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account XXXX XXXXXXXX. Please investigate and provide proof with statements proving when this delinquency commerce or any other documents proving that these payments were late. If proof can not be provided ; I demand these payments be updated to ON TIME as they should be as I was never late. 

According to the FCRA 15 U.S. code 1681 e consumer law, the maximum accuracy and methods of verification should be provided to me as it is my consumer right.

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 2023-06-03
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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 credit has been low do to a charge off that was placed on my account while recovering from a car accident. after I fully recovered On date XX/XX/2022 I look more into the credit report to see if there is anything wrong with the report placed for the charge off. I made a dispute to all 3 bureau because I seen discrepancy, and inaccurate information.the balance wasn't matching the past do, the written of balance, and the original balance. also irs passed law that gross income shouldn't be on your consumer report and I didn't receive the 1099G form as well as several violation 15 U.S.C1681s-2 ( a ) ( 1 ) ( a, 15 USC 1681e ( b ) which I let the live agents know. and asked after investigating to remove/ cease/ delete the inaccurate account and they ended up updating it instead.I again tried to dispute it again for the same reasons because when they updated it the balance was more the account been closed and charged off and wasn't matching so again for inaccurate account and several violations because I prior disputed for same reason and they ended up updating the information once again and as of right now the account once gain is under dispute for the 3rd time multiple violations need it removed AS soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX of XXXX I made over a {$2000.00} payment to this credit card, specifying that it was to pay off promotional purchases that were about to expire, or had already, to avoid massive interest added to the card balance. 

Immediately following that payment, they lowered my credit limit from {$3200.00} to {$850.00}, completely wiping out any credit gain I could have made by lowering my credit usage, and actually damaging it further. This was the 2nd time they had lowered my credit limit in XXXX, despite being a loyal customer for 12 years. 

On XX/XX/XXXX, I received an email stating my account had been closed. It turns out they still charged me the compounded interest on one of the promotional purchases, despite the payment on those sent in XX/XX/XXXX. The interest made my balance jump to over {$1500.00} with a credit limit of only {$850.00}. After canceling the account, it went to {$1500.00} over 0. 

This has devastated my credit rating which I had been working very hard to improve after going through payment problems during the covid shutdowns. 

When trying to work this out with the issuer, the only thing they would tell me is that something on my credit report had caused them to cancel the account. The item on my credit report, was THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: SC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 no consent is fraud.

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 2018-02-01
Company: The Schreiber Law Firm, PLLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the third time I have requested XXXX XXXX XXXX or XXXX XXXX to stop contacting me about a 14-year-old debt that was paid.This is the  second time I have reported them to Consumer Financial Protection Bureau. They did not respond to the first report.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-03
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to dispute the collection status of 3 separate amounts through the credit Bureaus on multiple occasions. With request for validation of debt. 
My dispute was in relation to first never receiving any communication from the 1st creditor XXXX XXXX XXXX. After having no prior knowledge of any amounts owed or bills sent to my address or anywhere that I could be made aware these 3 separate amounts/accounts ended up on my credit report in collection. 
When I first noticed them i disputed them through the credit bureaus and requested a validation of Debt, this was never supplied, XXXX removed the items from my report, XXXX and XXXX have not done so and after repeated disputes with them they began to what felt like just immediately close the dispute. 
I have yet to receive any notices- rights to dispute or debt validation letters, or even bills from XXXX or the debt collector and never received notification that I owed any amount to well now, after repeated attempts of disputing I gave up a friend suggested complaining here,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-03-12
Company: Experian Information Solutions Inc.
State: GA
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:
According to the FCRA 15 U.S. code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account attached XXXX XXXX XXXX is reporting several inaccuracies which violates my rights as a consumer. 

This account is inaccurately reporting " dates opened '' as XX/XX/XXXX on XXXX, XX/XX/XXXX on Experian and XXXX. 
This account also is inaccurately reporting " last reported '' as XX/XX/XXXX on XXXX and Experian but XX/XX/XXXX on XXXX. 
This account is also inaccurately reporting " date of last payment '' as XX/XX/XXXX on XXXX and Experian but XX/XX/XXXX on XXXX. 

As stated before, these are numerous inaccuracies that violate my consumer rights.

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 2023-02-21
Company: CCF Intermediate Holdings LLC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was initially looking for a loan to pay off my medical debt and other expenses so I applied online. Then a man claiming to be from speedy cash called me saying I was approved for the loan amount he said his name was XXXX. I checked online to see if speedy cash was a scam or a legitimate company it said the company was legitimate. He sent me a loan application to to sign on the speedy cash letterhead with correct grammar and language. I signed and dated it as well as sent a picture of my drivers license like he requested. He said in order to receive the loan amount of XXXX I needed tp first purchase a prepaid gift card at my local XXXX with XXXX $ on it and then send him the gift card information then they would send the money back tp me along with the loan account via my bank account information. He said because of my bad credit that would make it look like I had already paid off a loan with them and therefore they would be willing to loan me a greater amount. So I initially loaded a XXXX gift card with XXXX $ dollars and sent him that gift card information. He said it wouldnt work because the care had to be worth the exact amount of the loan which was {$290.00}. I proceeded to repeat the processs with the correct amount on the card. After which he returned the XXXX to my bank account assuring me the XXXX would come later that night. This was on XXXX  night. I assumed because of the weekend and the bank holiday the payment hadnt processed yet. But when I tried calling his direct line back no answer. So I called speedy cash directly. They has no record of an application or loan and informed me it was a scam so now I am reporting it to the appropriate authorities. This man has my drivers license and bank information and Im terrified of what he will do with it. Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Investigation took more than 30 days

Complaint:
These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX CARD. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE

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 2020-03-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Im writing regarding your recent response, stating that the following companies, reporting the following alleged data, have, in FACT, been VERIFIED which is IMPOSSIBLE since frivolous data is unverifiable. Im making a final goodwill attempt to have you clear this matter up immediately because the following listed data is entirely inaccurate, incomplete, and represents a VERY SERIOUS ERROR in reporting on your part. Once again, the data in error are as follows XXXX XXXX- not mine fraud XXXX - not mine fraud XXXX XXXX  XXXX Not mine fraud XXXX XXXX - not mine Considering the above, please be advised that a detailed description of the procedure in which you used to determine the 100 % ACCURACY AND 110 % COMPLETENESS of the data provided ( including all 67 fields of required data in Compliance with METRO 2 STANDARDS ) for the accounts listed above, is hereby requested to be provided within fifteen days of the completion of your re-investigation date.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your agency was required by federal law to verify, via PHYSICAL VERIFICATION any and all account data that youve posted to my credit report. And therefore, since youre claiming that all of the above data has been verified, then I must demand to see an official copy of EACH document used to verify this account, particularly any contracts and/or purchase receipts bearing MY signature, and showing that I have a legally binding contractual obligation to pay the EXACT amount claimed, or ANYTHING AT ALL for that matter, ALONG WITH ( 1 ) the Name, ( 2 ) the Address, and ( 3 ) the Telephone numbers of each person you contacted in regards to the above alleged account data and whom will be responsible for these errors.

Any AUTOMATED responses are UNACCEPTABLE. So I am requesting both a Reinvestigation AND your METHOD OF VERIFICATION per Federal FCRA Law. Per the FCRA, unverified accounts MUST be removed, and in the event that you do not and can not provide this information EXACTLY as requested in this letter ( including your Method of Verification ) per my consumer rights, then I must formally request that these negative accounts OR the negative data attached to them, be immediately, AND PERMANENTLY, removed as disputed & requested above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
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:
Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately. 

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in this matter. 

Sincerely, 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 2023-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am respectfully taking this measure due to XXXX XXXX XXXX XXXX not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. 

XXXX / XXXX XXXX : Partial loan payments made, not ignored.

Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to XXXX XXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). 

XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. 

My budget was now set to pay loan off early by XX/XX/XXXX. 

On XX/XX/XXXX I showed up to local XXXX XXXX XXXX XXXX branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. 

Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the 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