BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the issue I have been facing with Trans Union regarding the incorrect and old information on my credit report. Despite my numerous attempts to have the wrong addresses and names removed from my credit report, Trans Union has consistently refused to do so. 

I have been a victim of potential identity theft, and as a result, my credit report has been affected. I have contacted Trans Union, XXXX, and XXXX times to have the incorrect information removed, but to no avail. I have provided them with the correct information and proof of my identity, but they have failed to take any action. 

To make matters worse, my Social Security number is on the Dark Web, which makes it easy for someone else to run my credit. My credit report has over 33 old addresses, misspelled names and phone numbers still on it, which are known to be on the dark web. This is a serious security risk, and I am extremely concerned about the potential for further identity theft. 

I am extremely frustrated with Trans Union 's lack of action and their unwillingness to correct the errors on my credit report. This has caused me a great deal of stress and has negatively impacted my credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Trans Union. I believe that they are in violation of the Fair Credit Reporting Act, and I would like to see them held accountable for their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
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:
I am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On XXXX XXXX and XXXX XXXX, Equifax reported two hard inquiries to my consumers credit report without my written consent to Equifax to do so. No consent is identity theft. 
I, XXXX XXXX never gave Equifax my written consent to report anything negative to my consumers credit report. A copy of the law, and a copy of my credit report is posted along with this complaint. 
Equifax did not have permissible purpose! 

Under 15 U.S. Code 1681 ( a ) ( 4 ) - ( A ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As stated in the 15 U.S. Code ( a ) ( 4 ), Credit agencys should respect the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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:
Inquires on my Equifax report that I did not authorize : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-07
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They have been reporting this account illegally to my credit report. I have disputed this account through the credit bureaus as well as directly to the XXXX XXXX by certified mail asking to verify this is a valid debt several times and have yet to receive a response from them. Last certified mail sent which I know they received was XX/XX/XXXX and still no response to that one. They are beyond the timeframe to Respond and are in violation of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX Navient Predatory Loan will not work with us my son has been cut to 15 hours a weekemployment and a fulltime XXXX, I am XXXX. They have lied, mis-represented us while we are struggling to make payments, not to mention that when they were XXXX, we thought we were getting a XXXX. Navient, formerly part of XXXX, Navient has created repayment obstacles for us by providing misleading information, deceptive practices, and failing to act when we need help most. We need financial relief for the Navient Predatory lenders. They also intimated if we fall behind ( which will hurt our- xcellent credit ) they will be more apt to help us. ( What a scam=they make more in the default loan market ) Is n't this Illegal to say this? We spoke with many different people to no avail. We ne need a principle balance reduction or a fixed rate. Most notably i sent a letter to the Ceo XXXX, only to receive a response by XXXX XXXX XXXX x XXXX, again offered nothing! Please Help XXXX XXXX you can Publish, without my name & # thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: NJ
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:
Good Afternoon, I requested my credit file from Equifax on XX/XX/XXXX using XXXX XXXX XXXX   site and was given my free credit report upon entering my identifying information. 

On XX/XX/XXXX I sent Equifax a dispute letter by mail attaching the very same verifying information. They sent a letter dated XX/XX/XXXX that they were " unable to locate a credit file '' in their database with the information I provided - which is inaccurate since the very same information that gave me access to my report in the first place is what I sent them. 

I sent that same verifying information a 2nd time on XX/XX/XXXX. They sent the same letter in response to my 2nd inquiry on XX/XX/XXXX, stating they were " unable to locate a credit file '' in their database with the information I provided. Again, I submitted the same information that gave me access to the original report on XX/XX/XXXX. 

It has now been over 30 days since they received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2021 I requested my Annual Credit Report from the the 3 Credit Bureaus. 
XXXX and XXXX, properly complied with my request in accordance with the Law. 
However Equifax FAILED to do so... 
After several calls and requests to Equifax They still refused to comply with the current Law Stating on a written letter. 

" WE WERE UNABLE TO LOCATE A CREDIT FILE IN OUR DATABASE WITH THE IDENTIFICATION INFORMATION YOU PROVIDED '' This statement from Equifax is 100 % False, Deceitful, and intentionally done to Harass, Intimidate, and extort XXXX XXXX. ( since they have my information for more than 50 years ) Specially after we had exchanged correspondence, phone calls, and Equifax provided with my credit report as recently as of XX/XX/2021. # XXXX The reason I requested a second credit report on XX/XX/2021 is to verify that some of the errors on Equifax report that was misreported has been correct!!! 

Now the answer is : " WE ARE UNABLE TO LOCATE YOUR CREDIT FILE ''???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-04-05
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against XXXX because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of AFNI , INC has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

AFNI Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit System is reporting an account on my credit report for XXXX XXXX XXXX. I lived in this community over 7 years ago. When I moved out all my balances were paid in full. I have contacted National Credit System multiple times mail and by phone and have let to recieved a repond as to what this balance is for. This account is seriously hinding my credit report and I need this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been receiving multiple phone calls in regards to an overdue phone bill that was sent to collections from a phone line that I opened more than 3 years ago. 
I'd like to eliminate the single derogatory mark that I received from a phone bill I had when I was XXXX. The amount is for {$540.00}. I'm starting to learn about credit and would like to improve my credit score for the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is on my credit report and i did not receive any documents regarding i owe PHOENIX FINANCIAL SERVICES ... I called XXXX hospital and they have no records of me owing them any thing ... please provide proof of what is owed,,, or remove from my credit records ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Dear Sir/Madam, On XX/XX/2016 I made a purchase at Lord & Taylor ( L & T ) for {$290.00}. They offered a discount opening a credit card with Capital One ( CO ), which I did. That same day I paid the full amount owed. CO sent me a bill for the {$290.00} in XX/XX/XXXX. I contested, providing poof that the amount was paid in full ( bank statement ). I received a CO letter indicating they received my information and were investigating, and that no late fees, or financial charges will apply. This followed approximately 22 calls made/received to CO. They continued sending bills for the amount paid, adding late fees and started harassing calls that they were sending me to collection unless I pay the amount again. Their billing process and customer service do n't speak to each other and they are not following up with the investigation, which should have been pretty simple as proof of payment at the store was provided. It 's been approximately 120 days fromt the purchase and 90 days from my complaint to CO with no results. 
After almost two dozen phone calls and hours spent, it 's very clear that Capital One practices are deceiving and purposedly designed to by time consuming. Their customer service and billing department do n't speak to each other : the former sent a letter stating no late fees or billing will apply while in dispute, the later keeps billing me, calling me and makes threats to send me to collection if 'not ready to pay today '. 
The process seems designed to prey on individuals without the time, copies of receipts, or the money to make dozen phone calls and send copies of the receipts. I was fortunately able to do all that and still they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed several inquiries with TransUnion Credit Reporting Agency and unfortunately their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Please see the below inquiries that I sent in to be investigated and deleted from my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-09-07
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 contacted Experian two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. Experian and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently 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 2018-09-07
Company: Experian Information Solutions 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 am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.

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 2022-12-27
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
To whom it may concern : JP Morgan Chase was the financing company who was the lessor for a car I leased from XXXX in XXXX, which was subsequently traded in for a new vehicle late in XXXX. I started to receive debt collection calls from JP Morgan, earlier this year, related to property taxes and traffic violations that they had paid on my behalf. I thought something was suspicious as the traffic violation dates seemed to be beyond when I possessed the original XXXX vehicle. 

When I said I had no idea what they were referring to, they insisted they had been sending mail to me with documentation, but I never received anything from JP Morgan, even when I provided them my new address. Finally, there was someone from this team that actually explained what they were trying to collect for and provided me with the traffic violation numbers. I was able to confirm the property taxes were indeed for the time period when I leased the car and I remitted payment to JP Morgan for this. When I reached out to XXXX ( the actual company that issued the traffic toll violations )XXXX XXXX confirmed that the traffic violations were not in my name nor the license plate of my car and were related to a totally separate vehicle, but they can not provide this information to me because of personal data privacy laws. When I relayed this information to the JP Morgan representatives, they told me it is my burden to prove this, despite acknowledging it could be a data issue on their end and somehow can not access the actual violation data, because it was processed by a separate part of JP Morgan. My most recent outreach to XXXX  occurred on XX/XX/XXXX, in which they definitively told me there is no method that they can provide me written confirmation that the traffic violations are associated with a different account. I once again relayed this update to JP Morgan on XX/XX/XXXX and the representative told me once again that they will not be eliminating the balance of {$430.00}. I have consistently worked in good faith with JP Morgan to try and resolve this matter, despite the borderline harassing calls I received earlier this year ( until I was assigned someone who actually took the time to try and resolve this situation ), and I find it ridiculous that they are refusing to acknowledge that they potentially made a mistake and have put this burden on me to prove, knowing full well that they are the entity who actually has the data needed to confirm this.

Company response to consumer: Closed with explanation