BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection on my credit report that has been paid but it was sent to a collection company that continues to attempt to collect the debt. I have tried to dispute this with the credit bureaus but have not received any notice from them that they even opened the investigations. Please help me to get the collection removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Mechanical issues with this vehicle started at XXXX miles ( XXXX ). I reported the issue to the NJ XXXX, GM and GM Financial who financed the lease. I have repeatedly returned the vehicle for service to the dealer to address the issue, which appears to be electrical or computer related. The issues experienced could jeopardize my safety, since the car stalls at random, which could place me in a very dangerous situation on a highway or at a busy intersection. The lease agreement is for 48 months commencing on XX/XX/XXXX, and I have repeatedly requested GM to either replace or release me from the existing lease obligation, which they refuse to do. The end date is XX/XX/XXXX. I have all receipts in date order and can provide all information required to support my case. The most recent incident with the car occurred on XX/XX/XXXX, where the car stalled yet again while out on errands. The car currently has 46,000 miles, of which approximately 1,000 miles have been placed on the car by the dealer to assist with issue identification. XXXX XXXX has the vehicle and I have been working with one of the service managers to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX 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 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 2020-08-15
Company: EQUIFAX, INC.
State: MA
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 filing this complaint against Equifax regarding my mortgage account with XXXX XXXX XXXX XXXX Since XX/XX/XXXX, they have been misreporting and changing my Date of First Delinquency. 
In XXXX of XXXX, I checked my credit report with Equifax and could see that XX/XX/XXXX was listed as my Date of First Delinquency in a string of late payments that went through XXXX of XXXX. 
This information matched my reporting from the XXXX XXXX XXXX. In XXXX of XXXX, I again checked my online credit report with Equifax to confirm that the string of late payments was removed since it met the seven year statute of limitations. Unfortunately the Date of  First Delinquency had changed to XXXX of XXXX. The Date of First Delinquency is the beginning of the seven year count for removal of late payments from a credit report. THIS DATE DOES NOT CHANGE!!! Even more disturbing is that by law the string of uninterrupted late payments following the First Delinquency Date are to be removed too. I disputed this information and no changes were made and the date actually pushed out again. 
Equifax has continually pushed out that date and I will never meet the seven year anniversary that will allow removal my late payments from my credit report. The Date of First Delinquency is now listed as XX/XX/XXXX. This reporting is in violation of the Federal Fair Credit Reporting Act. If you are unaware the FCRA law regarding the Date of First Delinquency and the following consecutive late payments please refer this complaint to your legal department. You are in violation and are now on notice. 
I believe this may be a computer generated issue and someone needs to review this historical information with common sense and not just assume the computer is correct. You are not reporting a full seven years, you are change the DOFD, you are removing single late payments and not adjusting the string of late payments that should be removed. 
I have attached two of my Equiifax credit reports showing the change in a date that should never be altered. Also attached is a letter from the XXXX XXXX XXXX XXXX notifying Equifax that it is reporting the information submitted by the bank incorrectly, that it is erroneous and needs to be corrected. 
Again, if you do not understand the law regarding the importance and removal of the First Delinquency Date and the sequential uninterrupted late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called into Nelnet on XX/XX/2017 @ XXXX notified the representative that my car was stolen and I was not in a position to make a payment. The representative informed me that I qualified for a forbearance which would prevent my account from being reported negative to the credit bureaus and allow me time to deal with the hardship that came from my car being stolen. He stated that he placed the account on a forbearance and that I did not need to make payment. In XX/XX/2017 I applied for borrowers defense and called to confirm that the application was received and they confirmed that the account was on forbearance. Recently I checked my credit report and noticed there are five missed payment reported from XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 for all five accounts. That is twenty-five missed payments from a time that the account should have been placed on forbearance. I immediately called Nelnet who stated " they did not have record of the call or the account being on forbearance ''. The manager requested that I send in my credit report and my phone records of the call. I did. Once they received the information that they requested to remove the errors caused by their representative, they stated although the call was made, they were not going to remove the inaccurate information. The accounts were never placed into forbearance by a Nelnet representative and their error is showing on my report. Had the representative completed his responsibilities correctly there would have been no missed payment to report being that the account would be on forbearance. Nelnet is entrusted with the responsibility to report accurate information to the credit bureaus and their employees are entrusted to accurately complete the tasks that their duties require because a Nelnet representative failed to accurately complete their responsibility inaccurate information was placed on my report. This error is not mine and the missed payments that were reported for the XX/XX/2017 months of XXXX, XXXX, XXXX, XXXX and XXXX are not accurate due to the error of the Nelnet representative. This false information by law needs to be removed from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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.

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 non-monetary relief
Consumer complaint received 2022-12-20
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 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
Consumer complaint received 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with Capital One a few years ago while I was in college building my credit. I lost the card and reported it lost but my card was never locked or closed. It needed up being maxed out and I just never paid it because I felt I shouldnt have to due to them not locking it immediately when I reported it lost. Capital One closed the card and eventually charged it off for a little over {$400.00}. I contacted the company a while back and spoke to someone about settling the account out and having it removed from all the credit bureau. I was told at the time if I settled it they could remove it from all 3 and this was from one of their mangers. I settled the account a month and a half ago and when I called about it still being on my report I was then told it could not be removed due to company policies. I was told and promised that it would be removed upon settling the account and it was not. I understand policies but if that is what I was told I personally feel like it should be honored. I took it up the chain and another manager told me even though I may have been told that information she was not going to honor that. The account is settled ( although its still reporting inaccurately XXXX which Ive called about as well. I just want it removed because thats what I was told would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX Balance :

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Re : XXXXXXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX  Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
When I recently pulled my three credit reports, nearly all of my credit history is completely missing. There are only 4-5 somewhat recent accounts and everything else in all three reports is absent going back to approximately XXXX, when I turned XXXX. 

The addresses associated with where I have lived also have problems dating back to approximately XXXX. The addresses are mostly correct, however, there are duplicate addresses which are listed as single family residences when the address is an apartment complex. 

Also, the name they have listed is not my given birth name. They have my name as " XXXX XXXX XXXX '' when my actual birth name is " XXXX XXXX XXXX XXXX '' All three credit reports are attached

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-07-24
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX Account : XXXX  XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-03
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 had items stolen form me and filed a police report as well as a FTC report letting everyone know that I was a victim of ID theft. I tried getting the information off my reports but Equifax and XXXX refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, XXXX and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations.

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b

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