BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: KS
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:
This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CAVALRY INVESTMENTS, LLC
State: AZ
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:
I would like to file a complaint against Cavalry Portfolio Services, XXXX and XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. 
This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX and XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. 

Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XXXX, XXXX, and XXXX. To which XXXX and XXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and Calvary Portfolio ServicesXXXX and XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed for chapter XXXX bankruptcy in 2013 and Nelnet and it subsidiaries file a claim. They were repaid thru the 5 years and at the end of bankruptcy I paid back all claims in full. Now nelnet reopened new claims of money owed. They provided the courts with their claims and it got paid, they cant now come back and Circumvent the US bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018 I find {$920.00} Medical bell on my XXXX  credit report and I disputed with the credit bureau but it looks like its still open and its harming my credit score The company that bought this charge my credit report Named commonwealth financial systems and this debit bed off And I have the receipt for that I attach the receive with this page

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions 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:
I disputed my XXXX accounts with Experian that were paid off XX/XX/2020 ... after payment account is still showing on my profile and the original loan is way over the statute of limitations ... Experian changed the account to show in collections XX/XX/2020 after it is paid off and should be removed from my account because of federal law

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX and XXXX XXXX : Hard Inquiry, 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. 

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.

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 2023-01-26
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX acct. number 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. XXXX XXXX AND XXXX was an account on my credit report that I deleted over 8 months ago, due to fraud and has not reflected on my EQUIFAX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent First Progress multiple letters asking for debt verfication! I sent those letters, via certified mail, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have proof that all of those times the letter was delivered within 3-4 days of me mailing them. I have yet to receive a response from First Progress providing documentation proving that I opened an account with them and that I owe them any money. XXXX XXXX is reporting to all 3 Credit Bureaus stating that I open an account with them on XX/XX/XXXX, which I did not! Also they are reporting that I owe them a balance of XXXX, which I do not because I never opened an account with them. The negative reporting from this company is really hindering my credit score and my credit file! This is completely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No callback option XXXX XXXX XXXX Highest level of management XXXX of management XXXX XXXX XXXX XX/XX/XXXX transferred XXXX XXXX XX/XX/XXXX XXXX said XXXX filed XXXX dispute Called back XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ordered new card XXXX XXXX XX/XX/XXXX TD Bank filed XXXX XXXX and blocked my card with my knowledge. I called and got a virtual card and a manager by the name of XXXX blocked my card. She told me she did not block my account and today a manager told me she did. I am out of town and not close to a branch. I have no cash and the last TD Bank manager by the name of XXXX basically told me to XXXX it up and ordered a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: IN
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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: In progress
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.REMOVE THE FRAUD ACCOUNT ASAP!

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 2023-11-16
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX XXXX account # XXXX XXXXXXXX and XXXX account # XXXX XXXXXXXX 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 A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE.

Company response to consumer: In progress
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Our son was born in XX/XX/2020 and I was advised to place a freeze on his credit to avoid any identity theft issues while he is a minor. I sent the exact same letter, with all required information, including birth certificate, driver 's license, social security card, utility bill, etc., to all three credit agencies. XXXX  and XXXX seamlessly and promptly complied with my request and send correspondence confirming the credit freeze. Equifax did not comply with the request. I received a letter stating that a credit file did not exist under my son 's SSN, but in my letter I included, " If a credit file does not exist, please create the file and add the freeze. '' When I followed up with Equifax by phone, they gave me two additional reasons why they didn't comply : 1. my attached documentation was illegible, and 2. I did not include my social security card. Neither of these should have been issues either, because the other two credit agencies complied with the request with the exact same documentation, which was complete and legible. My issue remains unresolved with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of an apartment on XXXX, I was never contacted about anything owed. Out of the XXXX  Rent Recovery Solutions placed a collection on my credit without contacting me by mail, phone or email to notify of the money they claim I owe. I was not given the chance to review the supposed debt or dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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: Account status incorrect

Complaint:
I walked into a XXXX " franchise '' store maybe XXXX or XXXX  years AGO. The guy behind the counter, I found out later, WAS ON XXXX  and submitted applications fraudulently. THEY XXXX  him from the XXXX (? ) phone store. 

He changed me over to XXXX, RAN my credit report when he said he wouldn't as this was a PRE PAY plan. He didn't get bonus points for pre paid, so he faked an application when he could. 

XXXX found out before I went back XXXX weeks later, as they told me that he " had been terminated. '' The {$280.00} was TAKEN OFF the report twice. XXXX XXXX XXXX reposted it. 

Respectfully Submitted, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-11-04
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Experian Information Solutions 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 disputed these accounts on my credit report with XXXX XXXX  and experian. They all conducted an investigation into my complaint on these accounts. Upon XXXX  and XXXX  completion of investigation, the accounts were removed from my reports. Experian is reporting the same accounts but refuse to remove them. By law if a company is reporting to all 3 bureaus they can not just remove information from 2 bureaus and leave the same inaccurate information on one report. They must remove it from all 3. I have shown proof to experian of these removals and they are still reporting this information despite my documentation of proof. This goes against the standards of the fair credit reporting act. Experian has yet to provide physical proof showing why they are still reporting these accounts on credit report. It is harming my ability to obtain credit and employment, due to this negligence.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-01-10
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: Was not notified of investigation status or results

Complaint:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the equifax data breach and may have got into the hands of the wrong individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NJ
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  Account # XXXX, -- -- -XXXX XXXX XXXXXXXX Account XXXX XXXX, -- -- - XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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: 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES XXXX XXXX XXXX XXXX  TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE 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