BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NV
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:
There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX  XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number. 
1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
3. XXXX XXXX listed a missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. XXXX, Equifax and XXXX records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not the first time we have reached out about these accounts. 

I Noticed 2 errors, one was an account for XXXX, and the other was an Account for XXXX  XXXX on my credit report, and I knew they were not mine, so I called the FTC and filed an Identity Theft Complaint, and received a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: MI
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:
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 2022-12-20
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:
I received XXXX response today about the bankruptcy issues. They stated that they verified it with The United State Bankruptcy court which is a lie because they don't report any bankruptcies. XXXX can't verified the Bankruptcy either. So where are they getting they information from? I talked with XXXX and they stated that they sent out the alert about moving the bankruptcy be they never complied to their instructions. Please see the attached documents. Someone is lying and its isn't the courts nor XXXX. XXXX told me to ask you all to provide the correspondence that XXXX had with them. So I can provide the correspondence to XXXX XXXX. According to XXXX XXXX its law for XXXX to provide documents as they stated in their response. I talked with the Bankruptcy secretary and she stated that some. She asked me to ask you all to provide her signature and correspondence that you all proclaimed she verified the account as accurate. Please remove this inaccurate information from my credit report. Please see the attached documents.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting that these accounts be removed from my credit report as I did not receive enough information to verify the debt, and XXXX has already removed these accounts for the same reason. have made several attempts to obtain information about these accounts from the creditors, but they have failed to provide me with sufficient information to verify the debt. As a result, I am disputing the validity of these accounts and requesting their removal from my credit report. Please delete these following accounts on my credit report : 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 2023-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 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 2022-07-23
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:
I recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. XXXX, XXXX and TransUnion records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA : XXXX XXXX  XXXX Balance Owed : {$4000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXXL XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$4900.00}

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 non-monetary relief
Consumer complaint received 2020-06-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I don't agree with the current balance. The current balance is more than 3X the amount borrowed. Navient can not show more than 10 years of payments I made. I have been paying for 20 years and the balance goes up and they can not shoe payments I have made for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CONTRACT CALLERS 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:
On XX/XX/XXXX I filed a complaint through the CFPB website against CONTRACT CALLERS after XXXX/XXXX/XXXX notified me that CONTRACT CALLERS had responded to my complaints against XXXX/XXXX/XXXX  through the CFPB that the debt had been validated, which I know is not possible, because the account CONTRACT CALLERS has placed on my credit report is a result of fraud. An account that I have directly disputed with the company, XXXX XXXX, beginning when I learned of the first fraudulent account that was opened in my name for an XXXX XXXX account in XX/XX/XXXX or XX/XX/XXXX, and after that account was disputed and removed from my credit reports, in XX/XX/XXXX or XX/XX/XXXX I received notification of another account that XXXX XXXX allowed to be opened in my name and they then combined the two fraudulent accounts in an attempt to collect both accounts. The account ( s ) were removed from my credit reports in the past after disputing the accounts as fraud with the prior collection agencies who were sold the fraudulent accounts XXXX XXXX. 


On XX/XX/XXXX CONTRACT CALLERS responded to my complaint against them through the CFPB that they had validated the debt with the company and the proof that they provided is nothing more than a copy of a utility statement with my name and an account number at an address that I have disputed and had removed from my credit reports because it is not an address that belongs to me. CONTRACT CALLERS is in violation of the FCRA and the FDCPA because they willingly and knowingly provided inaccurate information to XXXX/XXXX/XXXX that they had/have validated the debt when they have not nor can they because the account is fraud and they have not fulfilled their obligation under Federal and State laws to prove that a disputed debt is valid. CONTRACT CALLERS CAN NOT claim that they have received validation from the company they are collecting the account for with a billing statement. AN ACCOUNT IS NOT VALID JUST BECAUSE A COMPANY PROVIDES a billing statement with a person 's name, an account number and address. IF THAT WERE THE CASE, no one who has had an account fraudulently opened in his/her name would be able to dispute fraudulent accounts to have them removed from their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NV
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 submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX : {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was thinking about buying a house, so when i check my credit report i found several fraudulent accounts. There were too many for me to dispute at once. So I decided to first dispute the car loan because i'm confused on how someone can open up a car loan in someone else 's name. These are the fraudulent car loans on my account ; Two of the fraudulent accounts were open in XXXX. The first account is XXXX with the balance of XXXX, The second was XXXX XXXX XXXX with balance of XXXX, the third one was XXXX again which was opened in XXXX with a balance of 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 2018-07-31
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments through the entire deferment stage. On XX/XX/2017 I called American Education Sercive ( AES ) to share that I made a payment on a deferred loan on XX/XX/XXXX. My deferment ends in XX/XX/XXXX. I asked, " How was the payment used, that I have a loan payment due and an interest rate payment due in XX/XX/XXXX. " ( See attachments ) XXXX employee number XXXX shared that the payment was not used to pay the interest rate that is due but placed on the unsubsidized accounts. I asked if there was an online format to pay the interest to prevent the addition to the principle and was told no. When asked if there was a way to have the payment applied I was told to send a letter. I asked if I should send a payment with the letter and it was repeated to send just a letter. The pleasant tone diminished when asked why a format does not exist online to pay the interest to prevent having an additional amount accrued to the principle and should I not send a payment with the letter? I was then told, yes send the document that says that " this is not a bill '' and to add a letter to ask that the amount sent in the mail should be applied to the interest. This mode of payment is not transparent when looking through the website. I was then asked if there was anything further that I needed and when responding no, the conversation ended. The site has a makeover, but no format to prevent the interest from being added to the principal when the loan comes out of deferment. I am working to pay off the loan and have the only option of the snail mail version without feedback. I do not see where I would receive notification that this payment was made unless I check my checking account for the canceled check and to double check the accounts to make sure that the balance does not have an increase. There should be a more effective way for this portion of payment when returning from a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received an email from XXXX saying that they sold an alleged debt to Spring Oaks Capital and that the debt is no longer in their hands. Spring Oaks Capital reported the alleged debt to other third parties as the creditor after the fact that the original creditor said that they have nothing to do with the collection of such debt. I disputed the debt and told them to cease contact due to their deceptive forms that were furnished. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reports incorrect information to purposely bring down my credit score. They reported that they have increased a student loan from {$1000.00} to {$9000.00}. I am on an income based repay plan and they should not be increasing my students loans in huge incorrect amounts just because they feel like it. They are trying to make it so that you never pay the loans off by increasing to incorrect amounts to benefit others.. Also, the balance with XXXX XXXX XXXX has not been updated. The credit bureaus are not updating the balances on accounts unless the balance fraudulently increases. They are a participant in the evil doings.

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 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX  XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX  XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.

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 2020-06-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

XXXX  XX/XX/XXXX Experian. XX/XX/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 explanation
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Kindly repair or remove the following items in my file immediately for they are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: ALLY FINANCIAL INC.
State: LA
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:
Company data and account with loan to paid to lease account to the vehcile account or data. 
Reinstate.

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