BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: VA
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 have contacted experian credit reporting services to report that XXXXXXXX XXXX XXXX representing XXXX XXXX XXXX XXXX or apartment complex report is concerning a landlord-tenant dispute and that this information should not be posted or included on my traditional credit report. 

As for the first dispute filed against this non traditional credit report, Esperian denied my request to remove this very negative information from my traditional credit report, and submitted information to me that the reporting company or agent confirmed the debt.

I filed a separate dispute on this same issue explaining to Esperian that this information is a landlord-tenant dispute and it should not be listed on my credit report, and that I have not agreed with anyone to post or use my rental history as part of my traditional credit report. 

Furthermore, this particular negative credit reporting was listed as a personal loan, but a most recent check of my Esperian credit report, this negative report has been put under the category of collections. Either way and irregardless of how this information is labeled, this negative information has no place being listed on my traditional credit report to be used to tabulate my credit score. Nor should this information be included on my credit report because of the central reason that landlord and tenant dispute are listed in non traditional credit reporting manners.

This negative information on my credit report has damaged my credit reputation in 2 areas : 1 ) it has caused my credit score to dip or go down by more than approximately 30 points, and 2 ) a potential creditor has already used this erroneous credit report information to deny me credit for a home loan to which this report is the major reason for the denial. 

I am demanding that this information be removed effectively immediately from my credit report reported by Esperian that I am aware of, and be deleted from the other 2 major credit reporting companies if this information is retain in a credit report with my name. 

Furthermore, this is a very heinous discriminatory act to which leaves me with no alternative but to complain about being racially discriminated against because of my race which happens to be tgat I am an XXXXXXXX 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 2023-07-31
Company: Carter-Young, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently found out that I had been sent to collections, not from the collection agency, Carter-Young , but through a credit alert. 

Below is the timeline and irregularities regarding my daughter 's college student apartment : On XX/XX/2022 we received the Move Out Statement via email which I did not initially see. After recent review, within the notice there were questionable move out fees of {$310.00}. On XX/XX/2022 I received a Notice of Balance Due : First Demand with an amount due of {$0.00}. On XX/XX/2022 ( 10 days after my first notice ) I was sent a Notice of Balance Due : Final Statement with an amount due of {$0.00}. At this point there was no money owed per their own email correspondence and there were only two communications to collect in the first 60 days. 

When I recently called XXXX XXXX XXXX for clarity, they let me know they wrote off the debt and that is why the amount was {$0.00} owed. Writing off debt within 30 days for tax benefit purposes and then sending said debt to a collection agency is wrought with issues in my mind. 

In regard to Carter-Young , I submitted a dispute on their website. They recently said the investigation showed I owed the money and just showed the Move Out Statement. I have asked Carter-Young for the Validation Notice in an effort to collect from me since I do not have any emails, letters, or calls from them. This has severely hurt my credit that used to be XXXX and I had no idea I owed anything to remediate. And neither party is helpful in rectifying. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an 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
Consumer complaint received 2019-01-18
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: Information belongs to someone else

Complaint:
There is a business credit card with XXXX ( it was a MasterCard,  then XXXX converted it to a Visa despite the company 's objections XXXX. Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, XXXX promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. XXXX should remove the reporting of this account from my personal credit reports ( XXXX TransUnion, XXXX, etc. ) and handle this with the company whose charge this belongs to. XXXX should also compensate me for the damage it has done to my previously impeccable credit report.

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 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the information that was reported to XXXX by your institution, CAPITAL ONE. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in 15 USC 6801 ( a ). According to the Gramm-Leach-Bliley Act ( GLBA ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for CAPITAL ONE to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers. Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information. I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter. Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: NC
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 AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2023-07-31
Company: Bread Financial 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: Account status incorrect

Complaint:
On or around XX/XX/2023. I called COMENITYCAPITAL/XXXX because I noticed while checking my credit report that they had reported that I was behind 90 days on my payments on the credit card. I reached out to them and asked them I didn't even know there were a charge on the account. They told me what the amount was plus late fees. The company agreed to take away the late fees if I agree to make full payment when I called. I asked them If I make a full payment, I would like the company to remove the late payments off my credit report and report it as " paid on time ''. The individual agree to fix the " past due '' status to " paid on time '' once I make a full payment. 

I decided to make a full payment, I waited over 30 days and my credit report is still reporting the " past due '' status for the month of XXXX, XXXX, and XXXX which were suppose to be " paid on time ''. At this time the company has violated 15 USC sec 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: DISCOVER BANK
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019, I was informed by a Discover representative that my student loans were reviewed by their legal team and my loans are not eligible for deferment despite my half-time enrollment in XXXX studies. I submitted my Master Student Loan Promissory Note, originally serviced by XXXX, and explained to at least 6 different representatives the interim definition in that statement which states I shall get 10 years plus 6 months in school deferment for XXXX study, and 4 years plus 6 months for XXXX study. I am asking for XXXX study deferment, as I am in XXXX   school. Discover says, this is a misunderstanding - I can only have the XXXX deferment, and they refuse to honor this XXXX study deferment period. I offered to continue paying interest while in school, and explained I would only use 36 months of the XXXX deferment, but was still denied. I have spent at least 5 hours on the phone with Discover in  the month of XX/XX/2019, and was told there is nothing I can do to get my loans into deferment while I am in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} There are no contracts, no valid claims ... accounts were settled with original creditors, grave errorfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
As I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX {$260.00}.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXXXXXX  To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & amp ; 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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* In addition, Delete all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-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 non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THIS IS WITH FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am attaching proof from my last dispute that Information on my consumer report is inconsistent. Please remove these account since the information on the accounts is not valid or consistently reflecting from the other 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 non-monetary relief