BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your help.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-31
Company: SANTANDER HOLDINGS USA, INC.
State: DE
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:
According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization 2 times. I did not XXXX this company authorization to review my credit report. Furthermore, I have an active fraud alert on my credit report. The FCRA requires that upon seeing a fraud alert on a consumers file, you must take steps to verify my identity and confirm that I am in fact the person making the application for credit. I was never contacted by your company at any time. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me a letter indicating your intention to delete the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: CA
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:
My complaint is, a few months ago I went to check out options of buying another car, & the dealership I went to, ran my credit NUMEROUS times. ( XXXX XXXX XXXX in XXXX, CA XXXX ) On different occasions & days I werent even in the dealership. Checking credit ONCE is useful enough to see a citizens financial background & what they qualify for. NUMEROUS times is outrageous & unfair since these inquiries ARE NOT soft. They sit on the credit for years & weigh it down. Ive spoken to them beforehand when I noticed multiple inquires on my credit when checking Experian, and all they told me was we have to keep checking to see if can offer you a deal. It was extremely unprofessional and not informative in any way because clearly my credit is going to remain the same OR DROP each time you do a HARD inquiry on it. It was completely unnecessary and they shouldve let me be aware because I clearly wouldnt have stayed for business. This is the only dealership thats ran my credit way too many unneeded times.

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 2022-04-17
Company: EQUIFAX, INC.
State: GA
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:
New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, FCDPA. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. XXXX XXXX XXXX letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX & XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, FCDPA. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. XXXX XXXX XXXX letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.

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 2022-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtor in writing before placing account on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Un-Authorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am complaining about the way two closed federal student loans are being reported to credit reporting agencies. The accounts shows up as being from from : US DEPARTMENT OF EDUCATION, XXXX XXXX XXXX, XXXX, TX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) The account numbers are XXXX ( Equifax shows this as account XXXX ) and XXXX ( Equifax account XXXX ). Here is a history of the loans : They were in default prior to XX/XX/XXXX. In XX/XX/XXXX I applied for consolidation through XXXX XXXX and this removed them from default by XX/XX/XXXX. The loans were paid in full by consolidation. The debt was then purchased/transferred to XXXX and XXXX XX/XX/XXXX the loans were discharged ( forgiven ) after I qualified for the Biden administration 's Income Driven Repayment ( IDR ) adjustment. 

The issue I have is that during the CARES Act ( Pub. L. 116136 ) pandemic student loan pause, the U.S. Department of Ed had reported the loans as delinquent to credit reporting agencies, even though no payment was due, and loans were not subject to collection. See : https : //studentaid.gov/announcements-events/covid-19 ( " Because of the COVID-19 emergency, we stopped collections for eligible defaulted loans. '' ) However, my Equifax credit report is showing the loans as 120 days past due for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The loans show up as being in collection during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I had filed a dispute with Equifax, and in result they reported " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. '' Thus, I believe that the U.S. Department of Education is incorrectly reporting the history of my loans to consumer credit reporting agencies. Short of a lawsuit, I do not know how to get Ed to correct what they report. 

Federal law prohibited collection of federally-held loans during the pandemic, yet Ed is reporting their loans as being " in collection '' during this period. Subject to the Fresh Start Initiative, the Department of Ed promised not report defaulted loans as in collections anymore. See : https : //studentaid.gov/announcements-events/default-fresh-start ( " Starting in XX/XX/XXXX, we began reporting defaulted loans held by ED as 'current ' rather than 'in collections ' to credit reporting agencies. '' ) This has not happened in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

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 2022-09-30
Company: Experian Information Solutions 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:
HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by Experian Company and XXXX about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the XXXX XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. 
Then, why does Experian and XXXX doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am 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 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried applying for the credit card and I was informed that the information on my application and the information on my consumer report did not match. After reviewing my report personally I realize that my name is incorrect. 
My only name is : XXXX XXXX XXXX I would like all other variations of my name, removed from my consumer report, because it is damaging my financial health

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: 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: Information belongs to someone else

Complaint:
I am relocating for work and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) 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 agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX - XXXX... 
XXXX XXXX - XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: NAVY FEDERAL CREDIT UNION
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: Problem with personal statement of dispute

Complaint:
Navy Federal Credit Union is report to the Credit bureaus that this account is a charge-off, i pay a XXXX a month on this account, and it's not reflecting that, it shows a negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX  provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: GA
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation