BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$8000.00}

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 explanation
Consumer complaint received 2023-07-11
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that these information is 100 % true, accurate and correct. 
My credit report is showing late payments XXXX XXXX XXXX  XXXX, and 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 the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION.

I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.

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 2023-07-15
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:
In my complaint on XX/XX/XXXX about credit reporting, XXXX ACCOUNT XXXX XXXX XXXX replied letter on file shows the last payment date as XX/XX/XXXX. 
This means there was no more activity on this account as of XX/XX/XXXX, XXXX 's payment history shows paid on time for XX/XX/XXXX. 
The first XXXX days late was reported XX/XX/XXXX. Where is the XXXX days late payment? 

XXXX 's mentioned in the letter to reach out to the outside collection agency XXXX XXXX XXXX which shows XXXX 's has sold the account The XXXX report does not show this account sold. 
According to XXXX and Experian reports, XXXX XXXX has been reporting ( CO ) for the last XXXX years. XXXX and Experian are re-aging this account as they are reporting inaccurate information. 
XXXX is reporting in the letter balance is XXXX and XXXX is reporting the balance as XXXX The account opened in XX/XX/XXXX XXXX shows no data available from XX/XX/XXXX up to XX/XX/XXXX. 
ON XXXX report show activity designator closed, XXXX XXXX reported CO charged off XX/XX/XXXX, and XXXX XXXX is reporting on a closed account is a violation. 
There is no signed contract with 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 2022-10-30
Company: LEXISNEXIS
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-01-14
Company: Continental Finance Company, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a credit card through XXXX XXXX 's insistence that it would help my credit. The card is called, XXXX ' from Continential Finance . From the first moment I received it, it has been laced with problems that seem fraudulent because they try to extort more money than they are owed by their Customers. They are quite good at it. My first payment was {$99.00}, they withdrew from my bank XXXX payments of {$99.00}, on auto-pay but it was MY fault. I had to call and fight with them to refund XXXX payment. Since then, I have had to call them every single month after I've made a payment because something is always incorrect! Wrong amounts, always to the detriment of myself. This month however was the straw that broke the camels ' back. I prefer auto-pay, ( which comes out of a checking account ). I wanted to change that information to a new bank & I went to the account page at XXXX XXXX  2 weeks before my payment was due in hopes all information would sync by my payment. ( Their accounts page won't allow you to select more than one bank for auto-pay ). I always pay my entire bill each month, this month my balance was {$180.00} to come out of a XXXX XXXX checking account. That amount came out and so did a {$35.00}, ( minimum payment. ) from my XXXX XXXX account!! It made that account go to NSF status. It's constant with this company. I have noticed they change information on my accounts page such as dates, and dollar amounts and have deleted a month or two payments, which always return in time. I would say, " As if cooking the books! '' I spoke to a Supervisor today about refunding the {$35.00} along with {$25.00} NSF fees. Help, I know I'm not the only one they're doing this too.

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 2023-01-02
Company: CITIBANK, N.A.
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXXXXXX XXXX XXXX XXXX account titled XXXX  XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on 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 explanation
Consumer complaint received 2022-04-16
Company: Goal Structured Solutions, LLC
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Larunch servicing LLC is reporting months that I was never late on my acct with credit Reprts they are reporting a different months late on all my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquiry from XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2023-07-15
Company: Experian Information Solutions Inc.
State: AK
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:
disputed credit inquiries : 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 Disputed address : XXXX XXXX XXXX XXXX XXXX XXXX, AKXXXX

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been a victim of identity theft for over a year and have reason to believe that there is an account at Wells Fargo inder my name. Which is totally fraudulent because I have never had an account there. I need to know what to do to close the account or accounts under my name.

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 2022-05-19
Company: Early Warning Services, LLC
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Lady was supposed to buy items for one price and do a cleansing ritual for me, but she say she at the market and needed another {$60.00} after Ive already paid her {$75.00}. I asked for my money back and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, I called Equifax about my dispute results for Confirmation # XXXX and XXXX. They refused to remove the inaccurate information after I informed them of the inaccuracies by certified mail. I asked if they could remove the unverified item from my credit report because it hurt my scores. I provided them proof of all the allegations with the letter of dispute that was mailed both times. In my letter, I asked if they could give me a copy of the contact person information that conducted the investigation. Still, they were refusing to tell me to contact the creditor. After several attempts to remove the item, they transfer me to a survey at the end and disregard my request altogether. I am very displeased with how these Credit Reporting Agency is getting away with not investigating the dispute and using the XXXX  XXXX  to dispute items on the consumer credit report. They put all the correct information on the credit report, and it's not fair to the consumer. The Department of Education and the XXXX  XXXX XXXX report the same debt on my credit report as a duplicate. Equifax refused to verify to see which is accurate and remove both of them for not doing a good job validating the debt. And the XXXX  XXXX XXXX is reporting other student loans that do not report the original date of the available loan. It's over the 7yrs reporting time. I reportedly asked if they can furnish me a copy of the finding in which they refused. I am eager for you to step in and resolve this matter as quickly as you can. Also, they are reporting inquirers from promotion, and I have not authorized them, and they refused to remove them. Can someone please help me with these issues?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My car was totaled in an accident in 2018. Santander was paid in full I went to purchase a new car and found out they were claiming I hadn't made a payment in months. I reached out and they claimed they were not paid off. I provided proof they were and they said that they weren't paid off through the " proper channels '' so I needed to pay them the remainder of the loan. Which I did not agree to and I disputed it with all three credit reporting companies. I was unsuccessful. After a year of fighting with them, I agreed to pay the remainder of the loan AGAIN just to have it removed they then said no. They stated that they would accept the money but not report it as paid off since it was not done in a timely manner. 
So here we are three years later, they are on my credit report as a charge off and a repossession, This is hindering my life and mental status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: UT
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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
Company: EQUIFAX, INC.
State: MI
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. 

Account name : XXXX XXXX XXXX  XXXX has violated my rights, Account name : XXXX XXXX XXXX XXXX, has violated my rights, Account name : XXXX XXXX  XXXX  XXXX, has violated my rights, Account name : XXXX XXXX XXXX  XXXX, has violated my rights, Account name : XXXX XXXXXXXX XXXX  XXXX, has violated my rights, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXX  XXXX, has violated my rights, Account name : XXXX XXXX XXXX XXXX, has violated my rights, 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 2019-03-01
Company: EQUIFAX, INC.
State: VA
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 XXXX has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached Equifax report that the loan has been sold. I have not been notified of this as per RESPA. 
They also claim it was opened in XX/XX/2018, also a lie. 

So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them. 
Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Harley Davidson Financial Services Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly told Harley-Davidson Financial Services to NOT call me at work about my motorcycle loan. I have called the company numerous times to tell the XXXX man who can barely speak English to STOP calling me at work. His name is XXXX XXXX and he tells me to call XXXX. This keeps happening over and over and over and it is harassment and I've reached the end of my tolerance.

Company response to consumer: Closed with explanation