BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I have sent letters asking them to provide documents proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family.

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on! 

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. 

Equifax XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
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: Information belongs to someone else

Complaint:
There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus

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 2018-01-14
Company: GREAT LAKES
State: PA
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:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below, and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXXXX/XX/XXXX ; XXXXXXXX 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 2022-07-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am reaching out to you for a resolution to an issue with XXXX XXXX XXXX XXXX reporting my account information to XXXX and Equifax credit reporting agencies. XXXX XXXX XXXX XXXX has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a XXXX XXXX employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America and XXXX XXXX has been conspiring to coerce me to pay a debt that 's not mine. Initially, Bank of America advised the CFPB the debt was reinstated after their agent filed a Notice of Rescission. Now, Bank of America has stated the Notice of Rescission is invalid and ineffective. Therefore, XXXX has no debt to collect that Bank of America allegedly assigned. However, XXXX XXXX is still reporting this alleged debt on my credit reports adversely without any substantiation and refuse to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: OneMain Finance Corporation
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan through One Main Financial that I paid off in full approximately 3 years ago. That One Main account was closed and was no longer appearing on my credit report. It showed up on my credit report about 8 months ago as being paid off but had a {$1.00} balance. 

As of XX/XX/XXXX, One Main started calling me repeatedly which I assumed were sales calls. They did not leave any messages. In XXXX of XXXX, they turned me into the credit bureau as being 30 days late on a loan that has been paid off with no attempts to reach out to me for years. 

I have disputed each month since XX/XX/XXXX through the credit bureaus and they all are removed, but One Main keeps resubmitting me as late 60 days or 90 days late which is ruining my excellent credit score.

They are fraudulently reporting me as owing debt that I do NOT owe. I paid the loan off in good faith when it fell behind 5 months ( due to the loss of my job ), so we worked to come up with a payment I could afford while I was XXXX, then I paid it off within a year. They closed the account, it was removed entirely from my credit report, and then they reopened it without my knowledge and are reporting that I owe a dollar. Not to mention, they repeatedly call my cell phone 4 times a day, on weekends, and use a variety of different numbers. 

I feel like I'm dealing with thugs who are harassing, manipulative, and use Unfair Credit Reporting tactics to get me to contact them and pay money I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ; XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4.  XXXX XXXX XXXX XXXX XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit 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 2023-04-13
Company: Grain Technology, Inc.
State: NC
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:
I signed up for a grain account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, grain has reported this charge off inaccurately on my credit report deliberately harming my credit score. XXXX and XXXX has conspired to allow this error to harm my credit score. 

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

Grain technology violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, JPMCB/ Chase Bank listed a credit card account as charged off to all 3 credit bureaus. The account has remained as " charged off '' since and there has been no update to the status of the account, no payments made, and no card activity since XXXX XXXX. In early XXXX, JPMCB/ Chase Bank incorrectly reported the account as charged off XX/XX/XXXX. 

They have improperly changed the charge off date which has caused my credit score to drop across all 3 bureaus. I was able to successfully dispute the record with XXXX but I am waiting to see what XXXX and XXXX will do. In the meantime, credit is damaged and I am concerned that my current limits may be cut or have my accounts closed as a result of this JPMB error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was granted a car loan by Lobel financial located in XXXX  Ca. Unfortunally i was maybe a month behind on my payment & I was XXXX  & car impounded. I was told by XXXX XXXX XXXX  my car was lon a 30 day hold, so on the 28 day ( at this point i was XXXX XXXX XXXX XXXX  ) i went to the tow yard to figure out how mulch of a loan it would take to get my car out. With all the unethical charges tow yards are allowed to pass on to the consumer, anyhow the tow yard employee advise me that lobel came & repoed my car and all my belonging that were in the car i would have to pay an unethical fee to get that i out. which happend to be my trade tools for work, which i had been fired from. so since i used every XXXX to bail out to try & keep my job i could noy pay the fee to get my work tools out. so LOBEL had been reporting my loan as charged off BAD DEBT every month for almost 2 years? and recent they pulled a copy of my credit report. how can this be legal. please help. XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed the reporting on my credit report back in 2021 and i thought it maybe due to error so i disputed the collection and it came back verified and i requested the steps of verification because i know i dont owe the debt and am not familiar i never received any of documents of steps for verification only a copy of a bill which isnt allowed and violation of my hippa rights i believe it may be due to fraud of identity being used i request on these basis it be deleted and hasnt i demand this be deleted off my credit file and to stop causing me negative damage to my finances.

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 2017-09-23
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX I started to attend XXXX XXXX in XXXX XXXX. I completed a 2 year program. They charged a very high tuition for those two years. Also every government dispersment of money went all to them. I never saw a penny. I never got a job that I could pay those loans back either. 

I have 2 loans from that school. 
Direct Sub Consolidation Loan Deferment {$12000.00} Direct Unsub Consolidation Ln Deferment {$16000.00} ( XX/XX/XXXX) They are in Deferment because I paid XXXX lump sum. so to do that so I could help my credit and go back to school in XX/XX/XXXX. 

Now I am attending XXXX XXXX XXXX at XXXX XXXX. I took out loans but they will total less than half of what I paid at XXXX XXXX and I will pay them back as I this school has already benefited me financially. Also the caliber of education at XXXX vs XXXX XXXX is a lot different. 

I feel that I should have to pay something for going to XXXX XXXX but definitely not whats left. I was young ( and poor ) and had no idea that XXXX XXXX was preying on peoples hopes just so XXXX could get Federal money. 

For profit schools are very bad for students it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX 2. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

3. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

4. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and remove the late payment. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: V and H Portfolio
State: NY
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:
After noticing an erroneous debt appearing on my XXXX credit report in XXXX I called the name of the firm on the report Vance & Huffman, L.L.C. at ( XXXX ) XXXX and discovered they were a collections law firm representing a debt buyer for some company XXXX XXXX XXXX in the amount of XXXX. The problem was that it was not my debt. I never heard of them and they had no details whatsoever. I then submitted a dispute with XXXX and the derogatory reporting still remains. Apparently XXXX made no effort to have the case investigated and are taking the information from corrupt debt collectors over innocent consumers without having them provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America is reporting an account under my name and social security number that I never opened. This account was opened due to identity theft. I provided a police report during my dispute to them. I was never associated with Bank of America or any personal or business account being reported.

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please see attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted this morning by an unknown firm that refused to identify itself and did not verify my identity before relaying private information. I was initially contacted by a number from a XXXX, CA number at XXXX. They told me that " police officers '' would be " arriving today to serve papers '' on me. I asked them what this was about and they told me to call XXXX with case # XXXX. I called that number and asked what was going on. The XXXX man who answered was belligerent and bullying when I asked him what this was about. Before I had even identified myself, he alleged that I " owed '' some unnamed phantom debt to XXXX that I had allegedly " used '' for " 5 '' years. He tried to imply that I wouldn't be able to get legal representation to assist in this matter. I tried several times to tell him that I had been a victim of identity theft but he aggressively overrode me and tried to continue threatening me. Fed up with not being able to get a word in XXXX, I informed him that his tactics were illegal and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
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 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

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