BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: TX
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and 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 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 explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
dispute # 1 : There is an inquiry on my Equifax credit report from XXXX home furniture inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : XXXX  inquiry date XXXX XXXX XXXX XXXX XXXX. This inquiry also is fraudulent as I did not inquire anything from XXXX XXXX XXXX this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX consumer report deleted from my XXXX consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX To Whom It May Concern, Transunion is violating and not abiding by the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) of 1968. With Transunion violating and not abiding by these laws it has affected my right to obtain credit and my quality of life. On XX/XX/XXXX I ordered my Transunion Credit Report and noticed some inaccuracies with a duplicated student loan Creditor ( XXXX ) on account # 's XXXX and XXXX. On XX/XX/XXXX I sent a 609-letter certified mail requesting Transunion to investigate the duplicate accounts # from creditor and to provide me with documentation to validate their investigation these duplicated accounts with creditor. On XX/XX/XXXX I received correspondence back from Transunion with no validation of the duplicate account # 's and creditor as they still appeared on my Transunion credit report. On XX/XX/XXXX, I sent a 609-letter demanding the validation of their investigation of duplicate accounts and creditor via certified mail. On XX/XX/XXXX Transunion still has not provided me the validation that I am entitled. That is violating my Fair Credit Reporting Act rights and Consumer Credit Protection Act rights because they continue to report false, deceptive information regarding account 's and creditor. I need CFPB help in ensuring Transunion abides by the laws in place that protect me as a consumer.

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 2022-12-30
Company: EQUIFAX, INC.
State: NJ
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 XXXXXXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and Transunion are reporting 90 plus days late on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please remove this line item from my 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 2020-04-14
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:
To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency TransUnion, XXXX  and XXXX. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached letters Ive written and submitted to all three consumer reporting agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.

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 2020-02-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/2019, I saw that 2 new collection accounts were added to my credit reports from Pheonix Financial Services LLC. Prior to this, I knew nothing about the medical debt owed. I never received any bills, nor was I expecting any because I was insured by Medicaid until XX/XX/2019. I have asked them to verify the debt, and they still haven't replied, and my credit has already been affected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I pulled my report to maintain my credit. I have disputed this spouse or co-signer name two years ago. I have never been married nor have I ever co-signed with a XXXX. It does not show a last name assuming she has my last name.

Spouse or Co-Signer : 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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} INQUIRY REMOVAL BELOW Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX Late payments ACCOUNTS : Need removed BELOW. 

18 usca I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

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 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, On XX/XX/XXXX, I was made aware that my account had been closed without my knowledge. I called your company to pay my balance in full and was told by XXXX XXXX XXXX : XXXX that there was a letter mailed to me notifying me of the closure. I never received any letter or notification. I then tried to confirm which address this was sent to, and was told nothing but excuses and lies. XXXX then said that nyour company uses some kind of database to update your client 's addresses/contact information WITHOUT ever confirming accuracy with your client. Your company then used this inaccurate information, and mailed my personal information to an undisclosed address. 

I have been a loyal card holder since XXXX, I have never made a late payment until this year when the father of my child passed away. I was left to pay for funeral expenses, lost time at work and am now a single mother. After 6 years of NOT ONE missed/late payment, this is how I am treated when I am experiencing hardship. Upon explaining this, and attempting to resolve this issue, I was refused help or any kind of resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that my account is re-opened and any delinquencies I have received be removed from my credit report. I have spent days trying to dispute this issue to no avail. Your company has been negligent in sending my personal information to an unknown address, closing my account without my knowledge and charging me over {$200.00} in fees. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with REC MGM SYS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

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

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe 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 explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NV
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 in 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CarMax, Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every month I make my payment on time. At one point I had paid ahead of time and Carmax stated that I had missed an XXXX payment and I had not missed this payment. The statement for that month reads as if no payment was made. This error really caused confusion, but I still continued to make payments for the next month- XXXX. In XXXX, I was billed twice for a payment and it caused my bank account to be overdrawn and I owed a balance of {$29.00} and Carmax has yet to return those funds to me. I called on the XXXX of XXXX and made another payment of {$500.00} for a total of {$1000.00} for my XXXX payment and the bulk of my payment went towards finance charges again. My normal monthly payment is {$870.00}, but I sometimes pay a bit more to try to lower my principal balance. Carmax has a policy were you are supposed to make your normal monthly payment, but for any extra payments made, you have to call the next business day and ask for the extra payment to be placed towards the principal balance. This never happens because an excuse is made by a representative as to what you did wrong. Furthermore, I dont think a customer should have to do this each time. My primary issue is that Carmax is not dividing my payments equally towards my principal balance and my finance charge that accrues daily. When I signed my loan, I didnt know that there was no set finance charge for my loan. I feel like this was done so that it will take the customer longer to pay off the loan. I have had my vehicle for a year and paid every month on time and made extra payments and I have only paid off about {$5000.00} on a XXXX loan. I am being charged almost double for the vehicle I purchased. I also cant refinance the vehicle with my bank or anyone other company because of the type of loan I have. The vehicle is also less than what I paid for it. When Im done paying for the vehicle in 2027, I will have paid about {$52000.00} and the vehicle is only worth at this time {$15000.00}. I feel like I was ripped off by Carmax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a home Equity line of credit which has been in effect for several years always in good standing. I have very good to excellent credit. On XX/XX/2020, Rushmore loan management sent me a letter stating that upon review of my fico score, they determined that I did not meet their lending criteria. Therefore, they were suspending my draw privileges on my home equity line. Being that my credit and fico score have always been very good, I called Rushmore for an explanation. I spoke with a woman named XXXX in the Customer relations department. After checking my account, she informed me that Rushmore has suspended many Heloc accounts because of Covid-19. When I asked why my letter stated something completely different, I was told that the real reason for the suspension was Covid-19. There was no real basis to suspend my access to this, credit, based on my credit history and the letter that I received was fraudulent and deliberately deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXXXXXX carried out a hard inquiry on my credit report without my authorized consent ( Fraud ) on XXXX, XXXX, XXXX. I submitted more than 3 times my request for XXXX XXXX XXXXXXXX to immediately to remove the hard inquiry as they didn't have my authorization or written consent to make the hard inquiry but to NO joy!! Their response by letter on XX/XX/XXXX " We've verified the inquiry and we won't be adjusting our reporting like you requested and consider your dispute resolved '' As my request ( My right by law ) Is ignored repetitively and no satisfactory resolution is reached which caused my credit harm I would demand from XXXX XXXX  XXXX to send me documentations with proof of signature showing I in fact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. This deletion was due almost a year ago knowingly its lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once XXXX XXXX  XXXX and Trans Union fulfilled my request please mail me an updated credit report reflecting these changes. 
* Previous complaints case numbers : XXXX * In the event XXXX XXXX XXXXXXXX keeps violating my rights I will seek financial compensation of {$1000.00} ( 15 USC 1681n )

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