BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: LA
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX Balance : {$45.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NE
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:
When I reviewed again 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
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:
XXXX XXXX XXXXXXXX XXXX ( 0 minutes ago ) to me 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 XXXX XXXXXXXX : XXXX XXXX : XXXXXXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX Has violated my rights. 
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 2023-07-08
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 leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from XXXX XXXX and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies XXXX had reported. What had once been a XXXX XXXX dealership was now a XXXX dealership and they effectively laughed at me and told me " good luck ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Navient Solutions, LLC.
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 am filing a complaint as a general consumer credit reporting concern for unfair reporting practice, as opposed to a specific reporting error I have experienced on my own credit report. 

I work in the field of consumer and business finance, regularly working with clients attempting to get direct or indirect funds for business start-up. 

There are many occasions when clients at some point in their credit history have shown late payments on a student loan, and their scores appear meaningfully lower than what they anticipated. 

A commonality in many of those instances is that a borrower who may have a single loan payment due to their student loan serving company actually shows several different credit account lines on their credit reports, all timed to the same loan payment. 

Each semester that a loan advance is issued, a separate trade line appears on the credit report, but these various loan advances, once they come into repayment status, are generally made to the XXXX XXXX as part of a single, consolidated payment. 

If there ever is a late payment, such as when a loan comes out of deferment without a borrower 's realization, the credit bureau does not simply show one late payment. It reflects every single trade line, for each separate loan advance, as having had a missed payment. I have witnessed clients who likely were late on a single payment, or a single loan for multiple payments, whose credit report is unfairly harmed by several different loan advance trade lines all reporting as if the individual payments were late, instead of just a single payment account being delinquent. 

I have personally observed examples of 8 to 12 different adverse trade lines reporting as a result of a single payment being late. 

This practice is punitive and, in many cases, is not at all reflective of the payment history the borrower demonstrates across their broad credit file and history. 

I do not know where this observation is best directed, but I felt that making the CFPB aware was the best starting point, with my local legislators being next, in case there is an ability to direct student loan companies to fairly report one late payment as one late trade account on the bureau when there is only one actual payment being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed complaint XXXX on or around XXXX XX/XX/2022 indicating that the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) had supplied TransUnion with invalid/unverifiable/inaccurate information for a credit card account and a line of credit ( revolving student loan ). TransUnion has been made aware that the data furnisher violated Regulation Z and Regulation F, the FCBA, the FDCPA, the FCRA, and the ADA. TransUnion received a copy of the complaint I sent to the office of my state 's attorney general and the US Attorney 's Office for my district, which cites the specific state and federal law violations. Yet, having received those complaints and the copious documentation supplied, some of which includes documents from the data furniser acknowledging repeated system failure that caused months of no delivery of electronic statements OR paper statements, TransUnion has persisted in the invalid/incomplete information claiming the data furnisher " verified '' the accuracy of the information, stating : " In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX AS REPORTED ( XXXX ) '' I Included documents with complaint XXXX ( screenshots ) showing the data furnisher 's system indicating not only XXXX ( XXXX ) access to paper statements and electronics statements, but the records showing I had XXXX ( XXXX ) accounts for the periods in the data furnisher supplied TransUnion with information regarding late payment history and charge-off. TransUnion is persisting data that indicates I failed to pay on an account through charge-off, when TransUnion has the documentation from the data furnisher indicating the furnisher DID NOT bill me, allegedly fixed the problem, only for the probelm to return, causing the accounts to subsequently be charged-off. Based on a preponderance of the evidence supplied to TransUnion in complaint XXXX, TransUnion knows , or SHOULD know, ( should have reasonable suspicion to believe based upon documentation supplied ) that the information supplied by the data-furnisher is incorrect. Yet, TransUnion persists the invalid and/or unverifiable information. With just the statement here I have cause to sue TransUnion. Instead, am requesting this matter to be resolved using this CFPB process.

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 2023-06-01
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been going back and forth with this company by the name of Mountain America Credit Union about an account on my credit report. This started back in XXXX when I noticed a fraudulent account on my credit report by a company named Mountain America Credit Union, I disputed this account right away and it was removed from my credit report. Well recently the account appeared back on my XXXX credit report, but it was never removed from my XXXX or XXXX  report. I have been in contact with a one of the employees by the name of XXXX XXXX. I have been informed by her that I had needed to get a new police report, which I did in XXXX of XXXX. Also upon talking to XXXX I found out that many accounts were opened in my name and date of birth but a different social. I didn't know how this was even possible or how Mountain America Credit Union would let something like this happen. Well once they received a copy of my new police report, I was thinking the account would be removed but it wasn't. I have been told by XXXX XXXX that this will take some time and to basically be patient. Well I have been patient for over 2 years going back and forth with this company. This is ridiculous. I keep disputing the account with the credit bureaus but Mountain America Credit Union keep validating the account as accurate, when clearly this is a identity theft account. I have written communication with XXXX XXXX saying this is a fraudulent account, but yet this accounts continues to be verified every time they receive a dispute letter. I want this account removed immediately. I filed a complaint with the CFPB before and it was stated in the finding that this account is a result of identity theft. Please remove this account from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I just feel like any overdraft fee I incurred shouldnt been an overdraft because the bank know I dont have the phones so why let it charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Dear TRANSUNION, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. TRANSUNION has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
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:
I have no knowledge and did not consent for my information to be used by these companies. Please remove the following inquires, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The late payments on this account are not correct. 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 a customer service representative. Please have this account updated and repaired : XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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 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 XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LVNV FUNDING LLC is reporting inaccurate information on my credit report. I have reached out to the company by phone and certified mail but they have yet to respond appropriately. 

There is a debt for XXXX XXXX which is {$140.00}. This debt is not mine. I have never lived at that location. I have been at my current address since XXXX. I have requested that XXXX XXXX validate the debt but have refused. 

The second debt is for XXXX XXXX ( XXXX ). The original credit have deleted this debt from my credit file because it was past 7 years. LVNV Funding has purchased the debt is is reporting inaccurate timeframes of the debt. This debt should not be on my credit profile. I have asked LVNV to delete this from my file but have also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
After reviewing my report, I still saw those inquiries listed as Unspecified The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

To my knowledge, I have not signed any documents authorizing these organizations to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

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 2022-12-19
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: Personal information incorrect

Complaint:
The personal information has multiple addresses, phone numbers, employers and other information which are old, inaccurrate or both.

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