BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
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: Personal information incorrect

Complaint:
I recently pulled my credit report and noticed several unfamiliar names. In fact, these were names that I did not recognize and names that I had never claimed. My name is ( XXXX ) ( XXXX ) and should be reported as stated. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this easier and quicker for you all. 

Please remove the following names from my credit report because I do not recognize them : Name ID # XXXX - XXXX XXXX XXXX Name ID # 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 2023-04-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
At first They claim that I was late on my mortgage payments for over a year and half. after multiple contact and request I was finally able to locate and find the right institution to talk to and they failed to informed me of my misapplied payments. Moreover, they advived me that will take care of it right away. Now 45 days later they still haven ' done anything, and they refused to provide us with the proper document showing all my payment and not late payment for me to show my creditors. With that in mind I'missing out a lot of invesment opportunities.

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 2020-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy. My attorney approved for me to obtain a car in XXXX. I have never missed a payment and have not had any credit cards since all accounts were closed in XXXX. XXXX XXXX recently offered me a way to build my credit. I have made 1 of 6 payments to them. 

I am working to try to refinance my home ( currently has my ex-husband and my name on mortgage, but he signed a Quit Claim Deed ). I divorced my first husband back in XX/XX/XXXX. 

Each time a lender pulls my credit, it comes up with the following statements. 

1. Length of time since derogatory public record or collection is too short 2. Serious delinquency, and public record or collection filed 3. Time since delinquency is too recent or unknown 4. Lack of recent revolving account information I am trying to work to REBUILD my credit. Please help me to understand what I am doing wrong and why my credit history still reflects these statements and lenders will not afford me an opportunity to even work with me to refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On 8 different occasions I called Nelnet asking them to remove the 120 days they claimed I was late or defaulted on my student loans. To this day, even after consolidating with another lender many of my student loan accounts through Nelnet show up as 120 days late, even though I was never late as I was in deferment for all of my student loans. on two separate occasions I spoke with a rep named XXXX, who assured me that this was infact an error on their part because my other student loan accounts also serviced by Nelnet at the time were in deferment as well obviously but never have shown defaulted because it simply did not occur, I was in SCHOOL THE WHOLE ENTIRE TIME THEY CLAIMED I WAS LATE! IT DIDNT EVEN COME TO THE 6 MONTH AFTER GRADUATING GRACE PERIOD YOU GET OVER THE DEFERMENT ONCE OUT OF SCHOOL AND I WAS STILL IN SCHOOL. I always kept up with the deferment rules and procedures. This was a fault of the company 's negligence, not me defaulting on any loan was already admitted and promised to be rectified by 2 of reps I spoke with when discovering a 30 day then 60 day late mark on my credit report. I began tracking it because it only showed on 7 of my student loans with Nelnet, none of my others also serviced by Nelnet. Over the years I kept calling the company and disputing it with all the bureaus but 5 years later even after graduating and consolidating and erolling in a IDR plan for paying off the student debt, and i'm still haunted by FALSE INFORMATION SHOWING 120 days ... every time i pull my report. Not to mention the anxiety i feel everytime I see the balances of those same 7 accounts climbing drastically because of all the interest rate charges and other fees that has put me into a deeper downwards spiral and crushing me under the weight from all the stress time effort and anxiety this 5 year long battle has added. All of that and nothing has been fixed nor changed and every dispute filed has been met with no change, The false information has even spread as the increased balance has not only traveled along on my credit for 5 years and counting, it has also transferred over into the new consolidated loan with the new company who I am in repayments with. Plus a couple of the accounts still show as open accounts before I bombarded him with disputes. This is not fair and needs to be fixed. It has destroyed me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: OneMain Finance Corporation
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
Received confirmation that money order ( {$800.00} ) was received on XX/XX/XXXX. 

Received notice from the XXXX XXXX of XXXX XXXX that the civil action against me was dismissed on XXXX. 

The credit report still shows the account opened as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
Despite my relentless efforts to rectify the presence of fraudulent, inaccurate, and misleading information on my consumer report, the matter persists unresolved. The inclusion of these items has profoundly impacted my life, inflicting considerable stress and anxiety. It is imperative to emphasize that I neither authorized nor consented to the association of this information with my name, as I have unfortunately fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the XXXX credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


XXXX XXXX MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( EXPERIAN ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( XXXX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME.

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 2019-05-03
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is reporting an un-authorized HARD INQUIRY to my credit report, I highly suggest you remove it ASAP. 

On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF! 

PLEASE REMOVE INQUIRY FROM XX/XX/19 FROM MY CREDIT REPORT!

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  months ( XXXX  years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies TRANSUNION. XXXX. XXXX. please have this account removed and updated immediately thanks

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 2023-08-04
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$2400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments on XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received letter from Bank of America denying approval of Bank of America Unlimited Cash Award Signature card. I NEVER APPLIED for this card or any card. I dont have an account with Bank of America XXXX 

XXXX XXXX : XXXX Letter dated : XX/XX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Emergent Business Group, Inc.
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX at XXXX MST I received a call from an employee of Emergent Services. He identified himself and his organization and indicated that I had been sent a letter last XXXX. He refused to disclose the subject of the letter or the nature of his organization. When I asked, " Is this an attempt to collect a debt? '' he became quite aggressive, saying things like " If you don't want to work with us ... '', notwithstanding the fact that he made no substantive response to my questions " Who are you and what do you want? '' " What was the letter about? '' " Is this an attempt to collect a debt? '' ( I asked that twice, and he hung up on me when I asked it the second time. ) It is my understanding that debt collectors are required to identify themselves as such and to disclose that communications that they initiate are attempts to collect a debt. In the present case, neither requirement was satisfied. 

I believe that this matter related to an auto loan for a new XXXX XXXX for which I cosigned several years ago. The borrower was XXXX XXXX aka XXXX XXXX aka XXXX XXXX, a predator who defrauded me of several XXXX XXXX dollars and who is subject to an Order of Protection issued on XXXX XX/XX/XXXX by a judge of the 13th District Court ( XXXX County ) of New Mexico. She made no payments despite assuring me that I would make none. She ran the car into the ground in a year, such that on repossession it fetched {$850.00} at auction. The original lender was 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed my dispute because I believe the accounts mentioned in my attachment are not reported accurately or completely. The supposed clarifications or updates have left me with greater doubt. Now I want answers to these new questions but it won't let me register my dispute on its website, indicating the following message : " Dispute Temporarily Unavailable. '' I feel that any questions should be resolved and if there is no answer then they should be removed from the credit report until their investigations are completed. But they are not allowing me to make my disputes.

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