BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account and was told by the Capital Accounts agent it would be deleted from my credit. It was deleted from XXXX  and XXXX, the agent told me they always deleted first, and that I may have to dispute it with XXXX. I thought it was very strange that this agent was giving such detailed credit advice, I thought they were not allowed to do that according to the FDCPA. I followed his strange advise and it was not removed from XXXX as promised. So I sent a dispute letter to the address that Capital Accounts reported to XXXX, and that dispute letter was returned. I feel totally defrauded, the advice that was given to me was incorrect, and the collector can not be reached to demand they hold their promise. They are not reporting 100 % factual information to the credit bureaus if they are not reporting an accurate address! Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I took out a loan with XXXX XXXX, which operates as a tribal lender, actually illegal in my state. My loan is paid in full as of today, both the principal and the interest. I did get a bit behind on the loan, and it was reported to the credit bureaus as late. As they are a tribal lender and illegal, they should not have reported to my file. I was told when laying in full I could contact them for a deletion. When I did contact them - after paying in full - they said nothing could be done. 

They are illegal and predatory and are not to be reporting to credit bureaus. 

Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a {$100.00} Vanilla Visa Gift Card as a gift and went to use it and it would not workthe package was unopened prior to me accessing it. 

I contacted the card distributor, InComm Financial Services and was told to send pictures of the card and my license to them ( I was given a XXXX # XXXX ). I did that on XX/XX/XXXX and never received a response. I explained to them that I didn't have a receipt for the Gift Card as it was a gift. 

I called them on XX/XX/XXXX to see why they haven't responded and they claim they didn't receive my email so I resent it to them. 

I did an online search and found that there have been complaints against this company where people have had the same issue. Links below. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!

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 2022-05-13
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 XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX  continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). In addition to furnishing 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. 

On XX/XX/XXXX, I disputed the account through the credit bureau, XXXX and XXXX XXXX XXXX XXXX XXXX  responded, " Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/XXXX XXXX XXXX XXXX XXXX furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$1500.00} Subsequently, on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$890.00}. 

This action constitutes fraud under 15 U.S. Code 1681s215, U.S. Code 1692, federal and state laws. Due to the negative mark found and continued to report on my credit reports as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: AL
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:
So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Recently, I discovered fraudulent charges that would be part of the identity theft problem. Given that fraudulent charges should be checked and that the credit agency should be inquired, it is important to be able to look for unusual data. However, there is a problem with Equifax that disallows a person to view the data and look for suspicious activity. In other words, Equifax is the problem and is not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was notified through the mail that I might be eligible for Student Loan Forgiveness program. I filed the necessary paperwork, but did not hear back with the XXXX. So I called my loan servicer, Navient. There was an option to speak with someone about loan forgiveness, so I pushed that button & was transferred to a third party company who said they could file my paperwork for me. The name of the company is XXXX XXXX XXXX XXXX, and their charge came out of my back under the name XXXX XXXX XXXX. I immediately got an email from the Department of Education saying there has been suspicious activity on my account and that I may have paid for a service that I could do for free. This third party, who I was referred to by Navient was in fact fraudulent. When I confronted them, they screened my calls, denied they were frauds & said they would not return my money to me because they had filed my consolidation forms. Had I not pressed the button when reaching out to Navient, I would still have that money in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX to paid on time as agreed never late immediately!

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 2023-09-13
Company: EQUIFAX, INC.
State: CA
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:
The following account is inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  At this point I have asked both XXXX XXXXXXXX and EQUIFAX to provide me some type of documentation bearing my signature, validating this debt/account. They claim that the account has been verified and I would like to know and see how they went about verifying it. Neither have been able to provide me with such documentation. Therefore, making the account listed above unverifiable and inaccurate. And therefore a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must be removed.

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 2023-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my 2nd attempt at reaching out to JEFFERSON CAPITAL SY about a fraudulent debt that they are incorrectly reporting on my credit. This incorrect reporting of this unknown collection is having a negative effect on my credit and preventing me from being a credit-worthy consumer. JEFFERSON CAPITAL SY is saying that I owe a debt, however, even after I have reached out to them, they still have not properly and correctly VALIDATED this incorrect debt that they are reporting on my credit. 
I am requesting that JEFFERSON CAPITAL SY provide me with the following information : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, 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: 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2022-11-01
Company: Netspend Corporation
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Every month NetSpend seems to say I have over taken money from my account but the statement show different to I have had 5-10 new cards sent to me because of charges I didn't make like now I have a dispute for XXXX dollars of charges that are not mine nor are the things charged are on my name and haven't got any thing back and was charged for another card which I should get on XX/XX/XXXX. I have an all access account and a prepaid XXXX account. They also never refunded my account from XX/XX/XXXX after the casino over charged me for XXXX dollars which they said they did give me but they never did nor dose my statements show it to they charge me fees but I pay a month service charge for the account to I have every card they sent me and documents showing proof yet nothing I just want all my money back. Been a customer since XXXX. My name is XXXX XXXX number XXXX and social security number 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 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion is reporting a account on my credit profile that does not belong to me and has never belonged to me ( XXXX XXXX XXXX balance XXXX ) XXXX is reporting a account on my credit profile that does not belong to me and has never belonged to me ( XXXX XXXX Balance 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 2017-06-23
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This was to be a loan forgiveness. I graduated in late XXXX. I was to pay for 10 years and the loan was to be forgiven if I worked in the public service field. I was told my profession qualified ( NC XXXX ) and was told by the representative at the time how to fill out the paperwork. I am right at 9 years in paying, auto draft each month, so I have never been late on a payment. When I called to check on when It would be paid in full, I was told I had NOT made any qualifying payments. I was told by the representative how to fill it out so it was done correctly. I was told Mohler, the company who bought out the original student loan that my option was to increase my payment or refinance for 10 more years at almost XXXX higher a month. I now pay XXXX and some change a month. I was told I qualified and the payment set up by them and now they say It was n't qualifying payments and I have to pay another 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
I filed for XXXX XXXX  bankruptcy XX/XX/XXXX. I entered a reaffirmation agreement with Santander to keep my vehicle and continue making payments. This agreement was filed with the court on XX/XX/XXXX. After filing bankruptcy Santander is no longer reporting my loan payments which is causing a negative effect on my credit report. My bankruptcy attorney reached out to Santander in XX/XX/XXXX. They advised my attorney their policy is to no longer report payments once a bankruptcy has been filed even if a reaffirmation agreement had been entered. My XXXX XXXX trustee said she had never heard of this and to file disputes with the 3 credit reporting agencies. I sent dispute letters on XX/XX/XXXX to all 3 reporting agencies. I've been told the information can not be verified therefore, can not be added to my credit reports. Since purchasing this vehicle in XXXX all payments have been made. The vehicle was not included in my XXXX XXXX and I continued to make monthly payments. My case received a discharge. All I request is Santander report my loan payments so I can receive proper credit and my credit report and score reflect this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
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 Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation