BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
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: Investigation took more than 30 days

Complaint:
I sent Equifax, XXXX, and XXXX  a dispute letter certified mail on XX/XX/2021. I checked the tracking and the letters were received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today is XX/XX/2021 and I have yet to be notified of the status of my dispute. I disputed XXXX XXXX  ACCT # XXXX and XXXX XXXX ACCT # XXXX and XXXX XXXX ACCT # XXXX. Equifax, XXXX, and XXXX  have violated the law by not complying to the FCRA which requires these accounts to be removed immediately from my consumer report. Per FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Reinvestigations of Disputed Information Reinvestigation Required If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
I have disputed this account with Specialized Loan Servicing and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted SLS with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that Specialized Loan Servicing LLC did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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 : {$2500.00}.

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 explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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 XXXX Account # XXXX XXXX XXXX # XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2023-04-05
Company: EQUIFAX, INC.
State: FL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2021-02-16
Company: Consumer Portfolio Services, Inc.
State: CA
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 hard inquiry in my credit report that I would like to have removed. I didnt authorize for this loan and would like to get this hard I quietly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- XXXX XXXX XXXX, LVNV Funding LLC, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified mail was sent out on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, has violated my XXXX. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

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 explanation
Consumer complaint received 2023-04-13
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LexisNexis is knowingly reporting inaccurate information regarding an vehicle accident that I was never involved in with XXXX XXXX XXXX XXXX claim # XXXX. I have tried fixing this several times over the last year and they have yet to delete this fraudulent and inaccurate information. Since their negligence I have had 2 auto insurance companies withdraw coverage and XXXX XXXX XXXX my current insurer plan to increase my monthly premiums to {$430.00} at my next renewal. Over the course of 18 months I have been terminated from my job as a commercial driver and refused by 3 desired companies. My monthly premiums have increased from {$260.00} and has cost me an additional {$1200.00} or more annually. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX D.O.B. XX/XX/1992 SSN : XXXX License Number / State : XXXX/ Illinois

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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:
Reached out to XXXX and Experian multiple times for multiple months via CERTIFIED MAIL regarding FRAUD ACCOUNTS and FRAUD INQUIRIES. They advised me to file an FTC report which I did. It has been months and no responses nor removals. Spoke to XXXX from the Attorney Generals Office and he is going to dig deeper to see why the reporting agencies are neglecting me and violating my consumer rights.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 to 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 XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: CO
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 have sent in proof from a credit card company that they closed my account in XXXX of XXXX, with no balance or amount due. It's been negatively reported as late payments in XXXX even though it's closed. I have sent proof to Equifax and XXXX but they haven't corrected the mistake. XXXX did correctly update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Aldous & Associates, PLLC
State: NH
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:
This is my second complaint with Aldous & Associates. After my first complaint they have now blocked my number from calling them. I had to call from a different number for them to answer. The first agreement I had with them was pay for deletion. After they received my full payment they completely disregarded the agreement and stated they did not have the power to remove the account from my report. I called again from a different number after the first complaint, and the person I talked to told me they do have the power to remove an account from a credit report. They put me hold to talk to a supervisor and the supervisor never answered. They left me on hold, and then hung up the phone again. I had to call again from another number and they then told me the supervisor was in a meeting. This company pathologically lies and they are extremely rude. They never answer questions directly and constantly deflect all questions. They lie, harass, and make false promises to collect a debt. Once they receive a debt, they completely disregard you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I cosigned for a car for someone in XXXX who then approximately one year later decided to abandon the car and left it with me. I then had to go through hoops to try to get the car registered in my name and have the car sold to me in XXXX with all the documents and paid receipts of sale in XXXX the car was lost in the flood in XXXX and as of this date XXXX XXXX has refused to pay off the vehicle because XXXX keeps sending a title in their name as the owners even though there is no lien on the car and my name and the person I cosigned for is still on the back of the title I have tried several times with the motor vehicle department insist that XXXX has to have my name put on the title being it is sold and paid for XXXX has not helped me in approximately six years that Ive been trying to do this and now I am stuck with a car that is salvaged And XXXX XXXX will not pay me until the title that XXXX has to release has my name on it It seems that this is an ongoing problem with XXXX for people trying to get a title and their name. This is not acceptable to them to issue a title with their name still on it as the owners when the loan is paid off after purchase and I have receipts for it XXXX XXXX will release my money but I have to send them a title with my name on it so it can be sold to them for reimbursement. There was no loan on the car after the lease. We just bought it out right as the receipt shows. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: HI
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:
Someone stole my identity & took out a loan in XXXX not me ... took out credit cards in XXXX not me Got another credit card XXXX -not me They are using incorrect names. Im XXXX not XXXX or XXXX This is allllll from XXXX & XXXX WHEN THEY MERGED!!! I reported this all to experian in XXXX & they wont help me I went to a debt consolidation company ( referred to me by XXXX & Experian ) & in XXXX I was advised they didnt pay off any of my debt the company was bankrupt & everything I paid them was stolen. 

I cant get my credit back. Now, my social security card & drivers license is out online & the hacker cant be found. My business has been ruined w/ slander & liable- my professional identity has been violated, stolen & I lost my business after 20 years working on it!!! 

No one will help me!!!! My credit report has false collections since XXXX. 

Ive reported this since XXXX every year & no one helps me!!!! XXXX is the first time I logged into XXXX when it was being developed. I want to press charges against XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ( a grant program I found on XXXX XXXX. 

I want monetary relief so I can work!

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 2023-01-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Major, put an account balance on my student loan account hold to prevent me from registering in college me to finish my program already had completed XXXX college credits only XXXX credits left only need XXXX credits to get an XXXX Degree they refuse to give me my Degree working toward my XXXX Degree, and firce me to taje out student loans, had to withdrawl because the colkege says I used up all of my ungrauted money up, how? Left an balance on my account? This isnt my fault, someone mis mangage these funds from the Goverment finicial aid?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Investigation took more than 30 days

Complaint:
I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have haXXXX XXXX XXXX XXXXns since my husband was in the XXXX XXXXXXXX, title max XXXX Ga, I have paid one off and then they extended my most recent XXXX at XXXX a month I owe XXXX and they said nothing I pay goes towards the interest. They said when they ran my social it didnt pop up I was a military spouse however I am and I am currently living on base out of state I have reached out to try to figure out an agreement but I am told if I dont pay they will take my vehicle.

Company response to consumer: Closed with explanation