BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello I have contacted the company XXXX XXXXXXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc

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 2021-11-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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:
In XXXX of XXXX I had been calling Navient to advise I was financially unable to pay monthly payments towards the XXXX loans. The reps constantly advised I would need to do A forbearance and the account would need to be sent for review since I had multple forbearances in the years prior. I called again after finding out A XXXX day late payment mark was placed on my credit report for all XXXX of my student loan accounts in XXXX of XXXX. To my surprise I was informed the forbearance hadnt been submitted. I requested the calls be pulled so that the supervisor could confirm the representative was suppose to submit my account for forbearance & to have this issue corrected and it never was. Shortly after I was effected my hurricane Harvey A natural disaster that destroyed My residence and lost everything. I was unable to contact Navient as I had to focus on simply surviving. I was trying to get financial help during Harvey ( The natural Disaster ) & I was denied due to these late payments. Recently in XXXX of XXXX I sent an email explaining again what happened and requesting the company pulls calls from back in XXXX so they could confirm the account should have been in forbearance as promised. And finally Remive the inaccurate late payments that are still currently reporting. Instead they responded saying all information reported was accurate. They are refusing the research the account properly and listen to the recorded calls. Ive submitted yet another email to the CEO and was met with A response stating Id hear something in XXXX business days which I never did. The school I went to was A total scam & I called several times asking if I qualified for A forgiveness of some sort and never was informed I had the ability to apply for A student loan forgiveness under the pretense of the school closing down and misleading me at A young age. This company seems to be head strong for making me suffer for A mistake their representative made!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NV
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These fraudulent accounts should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts below : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00}

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 2021-11-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number  XXXX XXXX XXXX Account Number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced with capital one auto XXXX of XXXX. I gave them all required documents documents even had an attorney help me to get a paper notirized by my ex husband. I refinanced so I could remove him off the registration and so I could sell my vehicle. It has now been 8 months and they are saying they have not received the title from the previous lienholder which was XXXX XXXX. After talking to XXXX they told me they released that electronically the week I refinanced. I have called every mo th and week and I still get the same answer and run around. I called them today XX/XX/XXXX for them to tell me they tried to get a hold of previous lien holder and had no luck. In the meantime I went to the dmv and they said that ally bank is listed as my lienholder. Meanwhile I am paying capital one for my auto loan but they have not given a new title to the dmv. I can not trade in my car or sell it since my ex husband is still on the registration. There is no Manger to talk to and they just keep putting in emails saying I will get a call back and never do. Capital one says they don't except electronic titles but there is nothing I can do. I just read under consumer report that many other people were experiencing the same frustration with them saying they don't have the title. Some people have been going through this over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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 2023-05-04
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and Transunion furnished my credit report without my consent and I tried contacting them and they do not know who I am, I gave them my social name and old address, my XXXX XXXX is still showing charge offs, they took my identity and furnished a credit report without my written consent.

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 2022-12-17
Company: EQUIFAX, INC.
State: AR
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.. I have been reporting this derogatory account for couple of months and yet you guys is not doing any actions and I am not getting any result. Below is the the item im AGAIN disputing. 


XXXX Account # 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 2019-05-04
Company: EQUIFAX, 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:
many XXXX student loan accounts are reporting under my name, these are not mine, these were opened with out my knowledge and reporting under equifax only, they are not helpful even thought i have provided them my police report which shos that i had been a victim of ID theft, but still no answer they are not disputing properly and they are saying it was verified in two days, how is this possible., please i need you help as a consumer to have these inaccuracies removed from the equifax credit reporting agency . 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding has sent collection letters to me over the past XXXX  years for the same debt. Each time a letter is received, I have sent a request for validation. LVNV has never validated the requests. I have reached out to each credit bureau and advised them that the debt was not validated. The credit bureau removed the accounts in late XXXX. I have now checked my credit report and see that they have once again added collection accounts that have already failed to validate. All validation requests were sent via certified mail. Copies of certified mail receipts were sent to each credit bureau as proof of delivery. 

XXXX account has already been removed by the original creditor due to fraud. How are they able to keep collecting? 

How are they able to continue to collect by using different companies to represent them. XXXX. XXXX XXXX, XXXX, XXXX & XXXX. This is true harassment. ( XXXX XXXX allows you to dispute via their site. I only have documents to show that they reached. I am unable to view my disputes via their portal. However, it does show that they reached out at the same time as LVNV, which is a violation. ) At this point, I know that I am being harassed and my rights are being violated. 

Account number XXXX Collection opened XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account number : XXXX Collection opened : unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.. I have been reporting this derogatory account for couple of months and yet you guys is not doing any actions and I am not getting any result. Below is the the item im AGAIN disputing. 


XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-03-17
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: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time

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